BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a equity line of credit in XXXX but default on it in XXXX. In XXXX the company sent a written settlement agreement which we both agreed to and payments started in XXXX, XXXX and was to finish on XXXX XXXX, XXXX. Because of some missed payments debt was extended until XXXX XXXX, XXXX. Which was paid in full. I called the creditor, sent letters to them and even got the three credit bureaus dispute departments involved in this issue to no avail. Even set all documents ( written agreement, bank statements with payments being deducted from my acct, proof of increased payments to pay off etc ... ) again to no avail. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank keeps charging me fees of {$30.00} a month despite me continually telling them that I want a basic and not a premium checking account. This has been going on for two years.

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 2022-04-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Wells Fargo XXXX Executive Complaints Management Office ) has continued to conduct a proper Investigation into the incorrect credit reporting on the part of Wells Fargo. 
-- -- -- -- - For the months of XX/XX/XXXX, XX/XX/XXXX, there was NO payment 30 days late. While the payment was late ( and Wells Fargo charged a Late Fee ) it was NOT 30 days late.

-- -- -- -- -- What both ( 2 ) Executive Office Case Specialists have done in reviewing my last TWO complaints is utilize the payment DUE date. This DUE date is NOT what determines the credit reporting. The BILLING cycle does this. I have spoken to Customer service and they confirmed this. I do not understand why I have to submit 3 complaints to have this corrected.

-- -- -- -- -- - Therefore, whichever specialist receives this THIRD complaint, please do any one of the following : 1 ) Feel Free to call me direct and I will be happy to explain and count the billing days with you -- -- -- -- -- -- -- -- -- 2 ) Confirm the BILLING Dates are used to determine the credit reporting late notices ( and please ask an experienced specialist or your direct supervisor first so we can get it correct this time ) -- -- -- -- -- -- -- -- -- -- -- 3 ) Cease sending in the mail a large envelope with statements from 1 year ago to present showing the days my payments were late. I am not disputing a LATE payment. I am disputing the XXXX XXXX 30 day late credit mark Wells Fargo posted to my credit report. Everything else is irrelevant and a waste of everyone 's time. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Payment received on XX/XX/XXXX : Which according to the billing cycle of XX/XX/XXXX - XX/XX/XXXX would make the payment : 28 Days late. NOT 30 Days. Here is the confirmation which can be confirmed with my statement : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX ONLINE ACH PAYMENT XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Again, as with most Credit Card companies, BILLING CYCLES... ..BILLING CYCLES dates are reported to the Credit reporting agencies. Not the Payment Due Date. Also, I have asked Customer Service to Note my account and confirm the BILLING CYCLES determine credit reporting dates so whomever is reviewing this can go into my account and see that the customer service dept. has CONFIRMED this is how it works.

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 2022-04-07
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX. 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX  XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX See attatched Credit Reported by USAA OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. USAA CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. USAA OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) XXXX  end XXXX now deliquent 2 ) XXXX  XXXX ID THEFT case XXXX XXXX ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Transfer balance payment due XXXX. Deposited {$25.00} payment amount into my personal checking account at XXXX XXXX on XX/XX/27. Next step is to make the online payment to Bank of America for withdrawal from XXXX XXXX account on same day or sometimes within a few days thereafter but several days before due. Upon daily checking of XXXX account on XXXX, I saw that the {$25.00} payment I deposited on XX/XX/27 hadn't been withdrawn 6 days later and the payment was due XXXX. I called BOA to ask why it hadn't been withdrawn. Told by BOA they couldn't see any scheduled payment so I thought I had forgotten to make the online payment. I didn't want to be charged a late fee so the Phone Associate manually drew the {$25.00} payment from my XXXX  account that day to make the BOA payment on time. BOA website, payment noted as " Ext Imm Pymt Transfer '' on XXXX and states on XXXX  website payment withdrawn on XXXX. All was well until today, XXXX, when I checked my XXXX account and was overdrawn by {$25.00}. Evidently I did make the BOA payment on XX/XX/27 but it didn't post until XXXX which would make the payment late now. This time on BOA website says " XXXX BA ELECTRONIC PAYMENT - {$25.00} '' which I had already paid once on XXXX. I called BOA and Phone Associate saw the additional payment that was taken out. They reversed the XXXX {$25.00} payment, however, I was told it could take up to 10 business days for the {$25.00} to be returned to my XXXX  account - in the meantime I was still overdrawn and would be subject to a {$35.00} XXXX overdraft fee if I couldn't come up with {$25.00} from somewhere soon. I was livid! Needless to say I had to " rob XXXX to pay XXXX  '' as the saying goes until BOA refunds my account because of their mistake. What makes me so mad is BOA said " there is no record of a scheduled payment after XX/XX/27 ''. This has happened SEVERAL times before with BOA. I have no problems with any other credit cards having long posting payment issues - just with BOA. BOA needs to seriously REWORK their payment processing system now so this doesn't happen again.

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 2019-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XX/XX/XXXX and XX/XX/XXXX, i had XXXX $ withdrawn from my account by atm card with chip and pin was used. I called USAA to report the transactions on the XX/XX/XXXX around XXXXt when i saw the withdrawals. Then when i activated my new card issued to me on the XX/XX/XXXX, the very next day on the XX/XX/XXXX, another XXXX $ was taken from my checking account. Now i dont know if it was the old atm card info that was used or if it was from the new atm card. Only I and the representative from USAA knew the pin number for that new atm card. So I reported that withdrawal that same evening when i noticed it. Well USAA has investigated and told me today that the fraud claim is denied and I am not getting reimbursed the XXXX , which includes atm fees, do there being activity before and after the fraud accurred. I Explained to them that of course theirs going to be activity before and after because I didnt notice the fraudulent activity until the evening of the XX/XX/XXXX and the XX/XX/XXXX.  They say that the chip on the card and pin was used so they are saying that i committed the fraud. I have filled out an affidavit that they sent me and also made a police report. Also all the withdrawals were done at the same atm machine near my home. I told USAA that it was absurd that I did the withdrawals and then go and file fraud putting my Social Security payments and my Veteran Affairs payments ( due to me being XXXX XXXX XXXX XXXX XXXX ) in jeopardy if i was making false claims to scam the bank out of XXXX $ when I receive over XXXX $ a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
( XXXX XXXX XXXX ) Account Number : *** To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XXXX XXXX weeks together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 


Please provide original master promissory note. Thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Sterling Infosystems Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX was contracted by a prospective employer to perform my background check. I provided contact information for my prior employer XXXX and a contact name and number, they failed to contact the company and or the direct manager contact I provided. They completed the background check, and they submitted the background report to my prospective employer and indicated my time and service length was in accurate. They put down that I worked at XXXX for 1 year and 8 months, simply because they were lazy and did not want to do the requisite call into HR at XXXX  and or my contact to verify my complete length of employment. I worked at XXXX for 1 year and 9 months as a XXXX and 1 1/2 years as a XXXX XXXX. Instead of XXXX XXXX XXXX doing the legal work they are supposed to by law, they decide to skate their professional responsibilities and submit a non-accurate employment timeline at XXXX  to my prospective employer. The report indicates a consider on this employment verification, when they should have called HR or my contact which would have provided the accurate timeline which I put down in the initial background check and would have closed this employment verification as complete. FCRA and federal regulations require XXXX XXXX XXXX to meticulously VERIFY before submitting to client. In this case, they not only didn't call to verify - choosing instead to type into an automated system, but they never called after the data mismatch to properly and meticulously confirm with a Human being, HR rep or my point of contact at the company. They instead submitted the inaccurate information in the completed report to my prospective employer and put CONSIDER on the results which is 100 % not accurate and reflects my submission in a negative light to the prospective employer. XXXX XXXX XXXX  has a long record of inaccurate reporting, they have had numerous lawsuits, class actions lawsuits, FCRA violations etc. I am reporting them for this and I am also filing an FCRA complaint forth with. They have tarnished my reputation, defamed my reputation and have caused undue harm and stress with this mistake.

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 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1 ) I placed an order ( {XXXX} total ) on XXXX XXXX XXXX on XX/XX/XXXX in the night using my Bank of America credit card XXXX However, when I placed the order my browser was not showing things properly, when I double checked a few hours later I realized the items were final sales, so I contacted the customer service right away to cancel my order, on the same day, same night. 

2 ) The agent replied on XX/XX/XXXX, saying they will get back to me. But they never tried to cancel my order, instead they ignored everything. 

3 ) On XX/XX/XXXX, they shipped the order to my surprise. 

4 ) On XX/XX/XXXX I received the package but asked XXXX to return the package to sender, so the package was never opened and returned on the dame day. 

XXXX XXXX On XX/XX/XXXX, the order was delivered to the sender, signed by XXXX 6 ) I disputed the charge with Bank of America, however they didn't resolve the claim to my favor, instead they processed the payment to the seller.

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 2020-04-24
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took out a predatory auto loan with Prestige Financial over a year ago. This has been the loan from XXXX. I was fresh out of ch XXXX BK, and the lender took full advantage of me in a vulnerable state. I'm paying 23.99   % int, and the account manager named " XXXX '' has been harassing me via txt/sms messages and emails for over a year. After a year, I have only paid {$92.00} towards the principal after 12 payments which is complete robbery. I have used loan calculators and can not come up with how they are doing their math. We are currently in a pandemic, and lenders are supposed to work with borrowers, but not this company! I have a string of txt messages dating back months and during the current pandemic of XXXX harassing me for payment even when I'm 5 days late. She continues to threaten to repo the car even during the pandemic and they reported me to the credit bureau 30 days late while I was furloughed due to corona. There is no way this company is operating legally and I need help. I have the text/sms thread of all of XXXX 's continued threats even after I told her to stop harassing me at work she continues to threaten to repo the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine

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 2020-08-03
Company: Experian Information Solutions 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:
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. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX XXXX ( Credit Card )

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 2021-06-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?

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