BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: AFNI INC.
State: MI
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 with product or service terms changing

Complaint:
I am being charged for satellite equipment that I was told to discard. 

I was sent an email from XXXX to discard my equipment after I closed my paid and fulfilled account, so I did. Several weeks later I get another email that said to return said equipment. I contacted customer service and explained what had happened and was charged for that equipment. 

This has been sent to multiple collection agencies with each one reporting this same incident on my credit record. I have called and disputed this report. My problem is I did not save the first email they sent me. 

XXXX  and XXXX should held accountable for unfair credit reporting and business practices. I had no idea they would be dishonest with consumers but they have been with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX and I am an XXXX licensed in XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. My Stepfather XXXX XXXX passed away on XX/XX/2020 and had a lease on a XXXX from XXXX from Ally Financial. 

My mom is XXXX and can not take care of herself and had to be transferred to an assisted living facility and I intend to return to the car to XXXX as soon as COVID is over, but my wife is pregnant so I do not want to risk going to XXXX, especially since as I understand it an auto payment of {$250.00} is being made to Ally Financial anyway. I informed Ally Financial of my stepfather 's death and there seemed to be no issue, but approximately a month ago my mother began receiving harassing and threatening phone calls from a woman named XXXX XXXX who called from XXXX XXXX XXXX XXXX in XXXX, Florida would not even identify where she was from, but repeatedly called my mom in her assisted living home and threatened to lien her home. 

I attempted to call her back, but nobody could connect me to Ms. XXXX whoever she may be. I am unsure if this is a scam from Ally Financial or if this Ms. XXXX is a scam XXXX. 

Ms. XXXX should not be harassing elderly widows in retirement homes and at the very least some form of written notice should have been sent, but none has come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: GLOBAL SOLUTION BIZ LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I own a business and got hurt. I was unable to pay the bill XXXX XXXX has charged off the debt I owed and sold the paper to 3 other collections XXXX XXXX XXXX which harassed me and cursed me out and sent my information and called all my family members and told lies. Then, the Law office of XXXX XXXX called XXXX XXXX were sending me texts message to myself and my family members stating I committed a felony crime and shut my DMV so I can register vehicles. Now, Global Solution Biz, LLC are calling threatening, using crazy Rhetoric about XXXX filing which has already been done telling what I need to do and stop complaining and need to pay my bills. Im taking medication for this matter because of the depressed and anxiety state they and XXXX XXXX has placed me in at this time. PLEASE HELP ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account at Wells Fargo recently. Currently the bank tells me I have {$2700.00}. in my account. I wanted to do something online on XXXX  XX/XX/22 and I was unable to read my account online. When I called Wells Fargo they informed me there was some kind of " fraud '' going on, however, they refused to tell me the particulars and eventually cancelled my card. I actually was issued two debit cards, but neither one worked. 

I am in assisted living and I will be XXXX in XXXX and naturally I do n't drive. I can't get to the bank and therefore I have NO MONEY. They get irritated when I call, but express no empathy for my situation. It is necessary for me to order my groceries online and without a debit card that is not possible. 

I have called that bank at least 10 times, trying to understand why my debit card is blocked. At first they told me my debit card would work, I just couldn't read my account online. Now they are not even pretending that my card is not blocked. 

Wells Fargo is stealing my money and nobody will do anything about it. Thanking you in advance, XXXX XXXX XXXX XXXX My rent is due and I can't pay it.

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 2022-03-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
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:
On XX/XX/XXXX I sent a certified request to XXXX disputing the inaccurate reporting on my report from ECSI. XXXX updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, XXXX has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education ECSI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

According to the correspondence from ECSI, ECSI began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau XXXX, ECSI continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from ECSI, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Delinquent account

Complaint:
payment was issued to Macy 's on a account that reached the statue of limitation so the debt can be cleared. I called to check on the status of the payment posting several times to finally be told that they mailed the payment back. Well the payment posted but to the wrong account. Now I am being told that I have to mail in the copy of the check to a XXXX XXXX with not time frame as to when the payment will be put on the correct account. There are no managers that are available to assist with this matter. This need to be solve as soon as possible. I was also told that they ca n't send me a receipt showing that the payment has been posted to the correct 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 monetary relief
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Due to very poor customer service, we decided to refinance our XXXX Chevy Camaro to close the account with Wells Fargo. I spoke with Wells Fargo to obtain a 10 day payoff and then call XXXX with the payoff amount. XXXX stated there has been issues with payoffs from Wells Fargo and they then called 1/2 hour after I did and was told XXXX more than I was. After XXXX obtained the " correct '' amount for a 10 day payoff, we completed the paperwork, we obtained a loan XXXX more than the 10 day payoff so we could use the additional funds for a purchase we wanted to make and the payment was sent and received by Wells Fargo the very next day. The account was viewed online and it showed my balance owed as XXXXand the payment of XXXX that was received. They then added on XXXX different interest charges over and above the 10 day payoff that was actually paid off in 2 days. Instead of the XXXX I purposely overpaid, I received back XXXX!!! I called them and questioned the additional interest they added and they said they had the right to do so. When I said I was going to file a complaint I was told that was fine and ended the call. I was also 1/2 a car payment ahead due to adding extra to each payment, no interest was due as I had just paid my loan for the month.

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 2020-12-26
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Around the end of XX/XX/2019, I applied for American Express Delta Skymiles platinum card which they advertised that if I spent {$3000.00} during the first three months, I would get introductory bonus miles of XXXX. I paid {$190.00} annual membership fee on the 1st statement. 

Because of the COVID 19, I didn't get a chance till today and found that I didn't receive any of the above mentioned bonus points at all. After I called Amex card customer services, they did agree that I did spend more than {$3000.00} during the first three months, however, the reason I didn't received the bonus miles is that I was not eligible. 

But I never received such a notice this and why I was not eligible, and my whole point of paying {$190.00} fee was based on the XXXX miles. I would never get such a card with {$190.00} membership ship without the introductory bonus miles. 

When I asked if/when/how they sent me a notice about my not being eligible, they couldn't find any information, saying it was a while ago. 

When I asked to cancel my membership and get my {$190.00} back that I paid initially, they said they can't do. 

I think it's deceptive for a credit card company to try to lure people into applying a card, deciding not to give the advertised bonus miles, and keep the consumer in the dark about it the whole time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
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 fraud alerts or security freezes

Complaint:
I CALLED TO HAVE THE FRAUD ALERT REMOVED FROM MY CREDIT FILE AND THE CREDIT BUREAUS CLAIMED THEY NEVER GOT MY PAPERWORK

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 2022-10-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In 2014 I purchased my car financing it though Santander Consumer. With the paperwork I had signed and the terms were for 72 months and the financed amount. I have paid the 72 months and the agreed amount to Santander. They are trying to charge me an additional over {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
this is an ongoing complaint with Wells Fargo complaint # : XXXX. A XXXX from wells Fargo contacted me and assured me that she will do a complete investigation on the concerns I brought to her attention. Shortly there after another representative contacted me to start yet another loan modification process. On XXXX/XXXX/16 Wells Fargo requested another 60 days to address this matter. But a letter sent to XXXX XXXX dated XXXX/XXXX/16. States there decision has already been made and state we have review this in the past and we see no reason to review it again. XXXX XXXX was denied the loan Modification for to produce paperwork required. Which XXXX XXXX approved the mortgage and stated he need to show proof of residency which was supplied then denied stating he changed his address just to get the loan modification. So how can they deny on the fact no significant changes when he was approved and also stats the are doing a full investigation and require a 60 day extension and have made there decision on XXXX/XXXX/16. This is clearly age discrimination which is against the law. when you supply all documents get approved then denied are told he will be fully investigated and your reviewed team refuses to even look at all the facts to see he was approved. Which confirms are suspicions. This company need sto start being honest with the consumers and telling the truth and working together with each dept and the consumer to work out a resolution instead of being so anxious to throw a XXXX year old XXXX Veteran into the street instead of with his family where he belongs. Reading all the notes you will see where my comment is coming from and understand working on a loan modification while your attorney is back dooring a lis- pendens without even notifying 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 2015-03-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for a XXXX promotion for Wells Fargo bank for a {$10.00} e gift card. See below and attached. I have been trying to obtain this gift card for 6 months now and no one can help me, not the local branch, nor the corporate customer service. In fact, the manager ( XXXX of XXXX, XXXX ) told me to file a complaint if I needed to ... ..so here I am. 

I met with the financial services rep, opened XXXX accounts ( which was n't a requirement ), was n't advised on the fees for those accounts and then terminated those accounts as a result of them not being forthcoming and honest about them. 


Wells Fargo Financial Appointment for {$10.00} e-Gift Card ( Participating locations in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) For anyone interested : XXXX 1. Take a moment to make an appointment that 's convenient for you ( offer code XXXX will be pre-filled for you ). 
2. Meet with a banker for a conversation about your financial priorities. 
3. After your appointment, you 'll get a {$10.00} eGift card that can be redeemed online at XXXX retailers. 

*To qualify for the {$10.00} eGift card ( offer code XXXX ), make an appointment online by XXXX XXXX, 2014. Appointments must be conducted in person at a Wells Fargo banking location by XXXX XXXX, 2014, to qualify for the offer. Limit one eGift card per customer. Offer is only available at participating Wells Fargo banking locations in XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Offer can not be combined with any other offer. No purchase necessary. Wells Fargo team members are not eligible. Gift card subject to terms and conditions of issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.

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 2022-10-09
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of a partial release, Freedom asked for {$31000.00} to be applied to principal of mortgage to account for the release of a side lot related to mortgage. The funds were given to them on XX/XX/2022. Email and phone call have been made asking them to apply the funds to the principal. As of today, XX/XX/2022, the funds are still listed as " unapplied funds '' and haven't been applied to the outstanding prinicipal

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 2022-03-17
Company: EQUIFAX, INC.
State: FL
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:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX client XXXX XXXX  is an identity theft victim. His information was used to apply for a Kohl's/Capital One XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation