BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: Big Picture Loans, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : XXXX XXXX XXXX, XXXX. 
Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened up an account with XXXX XXXX. I have never had an XXXX XXXX account and never opened an account with them. My social security number and wallet was stolen.

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 2022-09-10
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : * 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

* 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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

The laws are very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA.

These are ALL grounds for REMOVAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: CA
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:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sent in a ID Theft Affidavit and police report detailing a fraudulent account on my Transunion credit report. I asked them to block the information from reporting. I am providing proof that Transunion received the correspondence on XX/XX/2020. The account is from XXXX XXXX. The account number XXXX. As of the date of this complaint Transunion has failed to remove the fraudulent information.

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
In light of the Wells Fargo situation, I was reminded of something that keeps coming up on my credit report. And also, when I filed bankruptcy. I had a XXXX mortgage with them. And did a line of credit, credit card also a few years later. But, it came to my attention that I had a XXXX mortgage taken out against my house. One that I never authorized or consented to. I did my mortgage in XX/XX/XXXX, and line of credit in XX/XX/XXXX. But never the XXXX. At that time I was residing at XXXX XXXX XXXX XXXX, Va XXXX. Therefore my mailing address is not the same as the property, as I have moved out of state. ***** My name is 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 2016-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo holds in escrow funds to pay our taxes and insurance. They have an error in their system and have failed to pay our home property taxes and homeowners insurance. Repeated calls to both local and mortgage center are unable to resolve the problem. Wells Fargo is collecting 3 time the amount of funds due to pay the taxes and insurance. We just received a letter from Wells Fargo that states they will be raising our mortgage payment because our taxes are unpaid. When we call the mortgage service center they state they can only make a note in the file and place a work order to correct the problem.

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 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One has frequently refused to release amounts that I have paid as payments even though they admit and confirmed that the payment has been received. I also confirmed with my bank that the payments have been received and they flat out refused to allow mw to use the payments. The payment was made onXX/XX/XXXX and now its XXXX it's been 6 days. They decided to hold it for 7 days regardless of if it has been received or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this issue on my credit has occurred, credit card acct. # XXXX with a past due balance of XXXX dollars... i never authorized this account this is fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: AZ
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:
Credit Card : CitiBank, Date of Transaction : XX/XX/2021, Amount : {$260.00} ( deposit on puppy ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Opened Citibank Dispute ID : XXXX XX/XX/2021 Confirmed in Writing to CitiBank that merchandise not received. 

XX/XX/2021 Provide documentation from merchant letter that states : " If for any reason you are not satisfied with the pup we have selected for you at the time of pickup your deposit can be refunded ''. Merchant refused to allow pickup of puppy and refused to refund deposit. 

XX/XX/2021, Citibank ruled in favor of merchant stating : " We are unable to intervene on your behalf regarding this dispute. Merchants are not required to give credit if they have a no refund policy. Any further attempts to resolve this dispute will need to be directed to the merchant. We now consider this investigation complete. '' The justification for ruling in favor of the merchant XXXX no refund policy ) is directly contradicted by the letter provided to Citibank from the merchant ( " If you are not satisfied ... your deposit can be refunded '' ). It's as if Citibank never received documentation of the letter. However, Citibank Customer Service Dispute Center confirmed on XX/XX/2021 that they did receive letter attached to email.

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 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name is  XXXX   XXXX . I am having an on-going problem with Bank Of America. I feel like they have discriminated and criminalized me for things that happened within my account that simply can not control. I recently had an issue with Bank Of America where 3 months ago someone fraudulently made purchases on my account. I was accredited that money back from BOA with the assurance that everything is ok and it was evident that someone took my card and made fraudulent purchases. On my payday, I woke up to see that on  X/XX/2017    BOA waited until my direct deposit dropped and took money from that deposit to get back the money that they gave to me after someone made the fraudulent purchases. After talking to numerous BOA representatives, I 've realized that they have come to conclusion that I was the one who had been making the fraudulent purchases. Several BOA representatives have told me that in order to get my money back I will need to get a police report. With that being said I made the clear decision to take time out of my work schedule to file a police report. In the mean time I had no money but fortunately I had a check from one of my family members that I decided to cash on saturd ay (   X/XX/17    ). The check was for {$7000.00}. Now I am no stranger to how depositing checks work. It usually takes a few business days which i am aware of. But, on  X/XX/17    I woke up to an alert saying that my bank account has been $ - XXXX  insufficent and my check wouldnt get processed until a month later. I have deposited MANY checks from BOA, most of which were close to the {$7000.00} check that I deposited and it NEVER took this long. I believe that ever since the problem with the fraudulent activity BOA has been treating me unfairly. I am very upset and offended that a bank that I have invested many years into, has been treating me as if I am a criminal. Not to mention that the person who wrote me the check is a family member and is on record to have wrote me checks close to the {$7000.00} check and NONE has bounced or considered to be fraud. I would like to see all of my money back, insufficent charges off and I would like to be released from this bank. I literally have no money to get to and from work, all because BOA has decided tho treat me unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Colony Brands, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a Senior Citizens that was diagnosed with XXXX XXXX and treatments limited my monthly funds. My funds was cut in half so I continued to pay this company. Now I no longer work because the XXXX metastasized and treatments are harsh. I am waiting on a decision for my Social Security that will much less that a salary. I want to make payments on items I purchased not someone else.

I've had several notifications of a Breach of Data where information was compromised. Colony Brands was initially helpful I placed a Fraud Alert on all credit bureaus and it worked for a period of time but accounts started again. I went back to place a Freeze on all credit reports but there had been additional purchases on the Colony Brands accounts. Initially, it was their practices to contact me before approving any new purchases but they stopped. As i explained to them, I thought it was strange my other creditors did not have any account issues.Most of my creditors worked with me in resolving the issue and notified me each time there were purchases or an attempt to open other accounts. I've been trying to resolve issue with Colony Brands without success. I spoke with XXXX XXXX in which I thought we came to an agreement about the accounts. XXXX was more concern with me paying off the account without removing unauthorized charges and any related finance charge. I've had difficulty with other stores within Colony Brands I filed a report with Federal Trade Commission for Identity Theft and found this company is having issues with unauthorized purchases. Now they want to hold me responsible for the unauthorized purchases and demanded the money. 
My experience with Colony Brands have been they will tell XXXX  what they will do but later tell me something different. They said they were sending the a FTC Affidavit for Identity Theft but never sent it. Later I received a letter stating I need to pay the entire amount whether I purchased or not it came to me. I would not know that anything was purchase because they did not confirm it was me placing the order. It is on all my credit reports that states not to add purchase or open an account without contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Credit Technology, 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: Credit inquiries on your report that you don't recognize

Complaint:
Last year, I bought 2 vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

XXXX XXXX Credit Technology Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these inquiries removed from my credit report ASAP. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Remove all late payment history from XXXX XXXX XXXX account # XXXX XXXXXXXX because the late payment history is inaccurate and reports differently on all 3 bureaus XXXX XXXX  shows XX/XX/2018 paid on time, XXXX XX/XX/2018 paid on time, XXXX XX/XX/2018 show 30 days past due.

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 2020-04-20
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
My business received a customer payment in the amount of {>= $XXXX} ( XXXX XXXX ) on XX/XX/20 by bank transfer ( Transaction ID : XXXX ) PayPal incorrectly recorded and processed the payment in the amount of {$XXXX} ( XXXX dollar ) and moreover still has payment in a pending status so I am still without access to the funds after more than 60- days, more than ample time for PayPal to verify the legitimacy of the transaction and payment. The same customer submitted an additional payment on XX/XX/20 by bank transfer, which for some reason is not reflected in the attached transaction register.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016 my wife and I went to a Wells Fargo branch to consolidate XXXX of our XXXX accounts .we wanted to close the business saving and checking accounts and transfer their balances to our personal saving and checking accounts.. The representative sent me to the cashier with a clear note telling her what she want the cashier to do. While I was waiting at the cashier my wife was waiting at the representative service desk. At the same time I picket up a phone call that distracted me for a good 5 minutes from the transaction And I just grab the receipt and call my wife : let 's go. 
The next morning .I went to check my accounts on line to review the transactions. that was catastrophic. The money from my personal account over {$3000.00} plus change was missing, and the amount from the business account was transferred to a teenager saving account that we had opened for my son. So I rushed to the same branch to see what happen to my money from my personal saving, no one could find a trace of the account and its amount .I change branch and went to another XXXX, also no one could help .Finally, late at night, By XXXX in the morning, as I could n't sleep, I called the bank toll free number. 
and they told me that they have located the account but they do n't know what happen to the money and the account seems to be closed more than a year ago.so I lost my life saving with no explanation .Is there any thing I can do? My name is XXXX XXXX XXXX XXXX 
my mailing address is XXXX XXXX XXXX, XXXX FL XXXX. 
Phone # XXXX XXXX XXXX Thank 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 explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXXXXXX 5.XXXX XXXX 6.XXXX XXXX 7XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX 10.XXXX XXXX 11.XXXX XXXX 12.XXXX  13.XXXX XXXX XXXXXXXX 14.XXXX XXXX 15. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an 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