BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX, XXXX federally protected consumer. I am making this complaint against WELLS FARGO BANK N.A. for violating a cease and desist notice received by them on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I am aware only of and not limited to, the clever fraud being guised under subtle nuances and subtexts that I will be addressing in this response to an unsatisfactory reply that was received by myself on XX/XX/2022. As it currently stands, I have sufficient evidence and reason to believe that under direct violations of 15 USC 6801, GLBA, 15 USC 1681s-2, and other FCRA binding laws, WELLS FARGO BANK N.A XXXX IS CONSPIRING TO COLLECT A DEBT THROUGH THE USE OF EXTORTIONATE MEANS BY FURNISHING NEGATIVE INFORMATION TO CONSUMER REPORTS AS PUNISHMENT FOR NONPAYMENT THEREOF. UNDER THIS TITLE, 20 YEARS OF IMPRISONMENT IS THE FINE THAT WELLS FARGO BANK N.A. WOULD BE FACING. I have attached my response and resolution letter, a Cease-and-Desist notice, Exhibit A, which is a copy of XXXX reporting on my consumer report, an FTC report labeled Exhibit B that will be used when filing for litigation in Federal Court to this complaint , and Exhibit C, the company 's response to my original CFPB complaint # XXXX. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

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 2016-08-26
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
since XX/XX/XXXX I have been paying XXXX precent intrest on a loan where the property is not worth half of what the value of the loan since XX/XX/XXXX everybody has gotten a intrest break but I have tried but no luck

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 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act The following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-11-17
Company: National Principal Group, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
National Principle group calls me out of the the blue and stated I had i r took out a payday loan over the internet in 2010. Asked if I had ever lived at XXXX, and was my email XXXX. They then proceeded to tell me I took out this payday loan and deposited into my XXXX XXXX bank account. I told them I never had a XXXX XXXX account. I politely asked them to send me all the paper they had for my review. I did n't no tell them I have XXXX sisters that are XXXX. ) They told me me I was just causing time and I said no. I just wanted to follow the paper trail because there is always one. XXXX at XXXX x XXXX to me to pay the {$500.00} + dollars today and take care of. I asked her to send me in the mail all of her paperwork for my review. She said I was just stalling. She stated she would send it to my email, but I have n't seen anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15USC 1666B : A creditor may not treat a payment on a account under an open and end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: MN
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:
On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX Equifax and XXXX that I would like dispute XXXX XXXX  that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with Equifax XXXX XXXX and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: PA
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:
HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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 2022-09-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
Credit card companies publish information that is not current and accurate that they claim come from my credit report.That I should take my concerns to them. when I look at my report it is accurate The companies however do not change your much lowered score and it just stays and it affects how much your limit will be and never move. 
always a shuffle between card company saying it comes from bureaus and bureaus saying they do not know ehere the company got information from in the interim I am stuck with lower score and can not get it fixed. 

one bank in particular chase thruu their credit monitoring has me with 8 late payments and I have not had a late payment in 7 years why should this information be out there about me

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to XXXX, Transunion & XXXX since I have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: MN
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:
On XXXX XX/XX/XXXX I reached out via online to XXXX XXXX XXXX and XXXX that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX Experian and XXXX all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.

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 2022-05-27
Company: MORGAN STANLEY & CO. LLC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an E*Trade checking account. I deposited a valid check into my account, after the mandatory 4 day waiting period the funds were declared available. I attempted a wire transfer and normal bank transfer of some of the funds. The next day the transfers were canceled and my account t was frozen. I called the company and was told the external account I was attempting to transfer to had to be verified. I proceeded to have it verified. I was then told my deposit was suspicious, so needed to verify that. This required getting my employer on the phone and calling the issuing bank there. The issuing bank rightfully wont discuss PII on a 4 way call. They offered a fax option. 

I have submitted proof of my employment including contract and invoicing for the work associated with my deposit. And have been told for over a week that this is under review. 

Its now been two weeks since my deposit was accepted and my account is still frozen. I am unable to cancel or transfer my money out and am missing payments. Ive been told my case was escalated and is under additional review last weekend, but no updates. 

Every time I call I am stuck with someone who has no power to affect my situation, and I learned yesterday that E*Trade never followed up on the fax option to verify my deposit last week.

E*Trade is holding my money against my wishes and is causing my family and I financial and emotional damage at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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've written this company several times to ask for verification of this account along with my signature of proof. They are not able to provide me with this information. They have told me that they will not re-open my dispute. This account on my credit report is negatively affecting me. I'm not able to obtain credit nor a mortgage. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In late XX/XX/XXXX I called my servicing bank which is Americas servicing and let them know I was having trouble making my payments. At the time we had to sell our business as we were not able to keep up with it. The bank stated that we needed to miss a payment before they would review a loan modification. At that time we missed XXXX payments and they began looking at my scenario. After the 3rd month o f missed payments I felt nervous and asked to bring it current but the bank said I was now 90 days late and they would n't accept a payment and that I was to wait for the loan modification process. I began sending in financial statements repeatedly to prove my income decreased drastically. I hired a company XXXX to help me with the loan modification process, in which I paid roughly {$1000.00} in total for services that did not help at all. On XX/XX/XXXX I received a call stating they would not modify my mortgage. They stated I know must pay {$28000.00} to keep my home and have until XXXX XXXX to pay this amount. I need help with this process as I feel I have been mislead along the way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Focus Financial Services agents have been multiple harrassing and threatening phone calls claiming to represent XXXX Hospital about a debt that as per my insurance company which has informed XXXX Hospital both verbally and written letter that their client ( myself ) do not owe for any excessive charges on services rendered on XXXX XXXX, 2014. All payments have been made in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Wakefield and Associates XXXX XXXX ) and others This company continues to call me and they leave messages for the previous owner of the phone number because of debt collection. The calls start as early as XXXX XXXX  and go into the night. Frequently the calls are repeated if I push the decline number. They call back on different phone numbers within 2 minutes and do not always leave messages.

My phone number is on the Do Not Call List and I do not have any outstanding debt of any kind. They call looking for XXXX not XXXX. I need your assistance to have them delete my number from their records and to cease calling me. 

They are trying to collect debt from +++ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX That is not who currently owns this phone number. Their calls are harassing to me. 

Proof of all the calls is available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im making this complaint against RECEIVABLES PERFORMANCE for identity theft. I have never given RECEIVABLES PERFORMANCE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RECEIVABLES PERFORMANCE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RECEIVABLES PERFORMANCE continues its collection efforts, I will file for litigation for actual damages caused and RECEIVABLES PERFORMANCE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

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 2017-01-30
Company: HANCOCK WHITNEY BANK
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
Two charges were placed on my bill on the same date ( XX/XX/2017 ) for the same amount ( {$100.00} ) from two different companies in Florida -- ( XXXX & XXXX ). Yes, I was in Florida on XX/XX/2017. But I did n't even carry that particular card with me. And I am the sole user on that card. My husband carried all the joint cards with him. I reported this to my local XXXX XXXX Bank on XX/XX/2017, the same day I discovered the information online ( no paper report had come to me yet ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the 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 explanation
Consumer complaint received 2022-09-16
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!

Company response to consumer: Closed with explanation