BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I opened a letter from Wells Fargo dated XX/XX/2021 that was mailed to my parents address. The letter stated that a personal loan application in my name was denied. This was a fraudulent application as I did not apply for a loan. On XX/XX/2021 I called Wells Fargo and discovered that in addition to the fraudulent loan application, fraudulent credit card applications were submitted and a fraudulent checking account was opened under my name. I reported this as identity theft and submitted a fraud claim with Wells Fargo for all accounts. Wells Fargo acknowledged that the personal loan and credit card applications would be closed and would request the credit agencies to remove the inquiry from my credit report. 

I later received a letter dated XX/XX/2021 from Wells Fargo stating that my fraud claim on the checking account was denied that I am responsible for all charges on the account as a welcome package and email had been sent during account opening. This fraudulent account was opened without my knowledge and I never received a welcome letter or email to be aware that this account even existed. The email address they had on file was a fraudulent email address and is not my email address. Also the home and mailing addresses they had on record were also fraudulent. I went into the branch to obtain copies of the transaction history and discovered the account also has multiple fraudulent checks deposited. I had multiple calls with the Wells Fargo Online Fraud Claims department and they refuse to reopen the investigation and provide any assistance. 

I filed a police report and FTC Identity Theft Report.

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 2022-10-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. 

The notification was also sent to XXXX on XX/XX/XXXX for it to process the forgiveness/discharge of the student loans in the amount of {$140000.00}. 

With all of the confusion, administration back peddling and lawsuits filed by or on behalf of XXXX challenging the student loan forgiveness programs ; I would like XXXX with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. 

I filed a dispute with the 3 credit bureaus to expedite getting the reporting off my credit reports ; XXXX however verified that the $ XXXX balance was correct ; which is erroneous as of XX/XX/2022. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Genesis FS Card Services, Inc.
State: NY
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 accurate with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX Acct ending XXXX and XXXX XXXXXXXX XXXX XXXX ending XXXX 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.

15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: General Motors Financial Company, Inc.
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:
GM FINANCIAL IS SHOWING NUMEROUS LATE PAYMENTS ON ALL 3 OF MY CREDIT REPORTS WHICH IS INCORRECT. UNDER THE FAIR CREDIT REPORTING ACT, they are supposed to NOTIFY ME WHEN THEY ARE INSERTING NEGATIVE INFORMATION INTO MY REPORTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was trying to send a Zelle transaction in the amount of XXXX to my daughter however the last 2 digits of her phone number i by mistake put in backwards resulting on the money sent to another person. I have contacted my bank as well as the person who I sent the money to. I requested for him to send my money back however it has been a couple of days passed and no money has been sent back to me. I have persons full name Phone number and my banks confirmation that I have tried to dispute this transaction. Is there anyway can get assistance. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted me  three years after the debt that 's supposed to be mine. was never billed or told that I  owe them any money until about two years after they supposedly was given help or service from  XXXX  was supposedly performed to me. I had insurance for a  XXXX  and they asked me to make an appointment to get   XXXX   XXXX  . I never made the appointment never needed it I saw another  XXXX  and they did not think that I needed any more   XXXX   work so I never made an appointment to get anything done and then they billed me again for having a vavity filled and I never received any other service besides the initial service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 've had a mortgage since   XXXX   and never missed a payment to date but there was a letter from the bank that stated I needed to pay {$50000.00} in  one  lump sum, but being  XXXX  with nothing more than social security I can barely make my regular bills so i have to get help from my  XXXX   XXXX   XXXX  mother so I applied for a home equity loan because the house is worth about {$300000.00} so i have {$250000.00} in equity and they have been stringing me along for 8 months having me re-fax documentation over and over with no decision on the extension of the loan, then they put information to the credit bureau stating that my payment are late making it impossible for me to go somewhere else than  Bank of America  so its like they sabotaged my probability of obtaining a loan period so the can take my house since there 's only {$50000.00} left on the house that would make their profit around {$200000.00} to {$300000.00} a pretty tempting business deal and I cant say for sure that its their intention but why would they hold me off since  XXXX  without a decision although they did deny the loan and I 'm in the appeal stage and faxing all that information again, so it makes me feel like foreclosure with no out so please help 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 explanation
Consumer complaint received 2017-04-18
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card
Issue: Credit determination

Complaint:
I applied For a  Chase   XXXX  Rewards Card on  XXXX / XXXX /  XXXX  . It was requested via mobile phone and i was on vacation and out of service. Unbeknownst to me there was a reference number i needed to call to answer more questions regarding my Credit. Since I never saw the first response to my request i resubmitted for the card. After the second request for the card i called in to answer the credit questions per their message. They Claim that on my  XXXX  acct it shows that I have a monthly mortgage of $  XXXX  plus. There was a construction loan for this amount that was closed on  XXXX / XXXX /  XXXX   that was transferred to a mortgage and also a home equity line of credit. I called  XXXX  and they confirmed that their report shows that my monthly obligation is {$2400.00}. I spoke with numerous Chase agents and they maintain that their report reflects the $  XXXX  monthly obligation. Now I do n't even care about the  XXXX   XXXX   XXXX  but    Chase  has hit my credit twice and i do n't think they are reading the credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They said I opened an account in 2015. I was XXXX  in 2015 in the Texas Department XXXX XXXX XXXX XXXX in the XXXX XXXX. The dept was paid off but they said I was late with payments. It is not my account.There are several XXXX XXXX. This one is not my 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 non-monetary relief
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I received an alert from the my credit monitoring service stating that an inquiry was placed on credit files. The inquiry is a fraudulently inquiry via  XXXX  Bank as I did not apply for credit with this company. I called all  XXXX  credit bureaus to notify them of the fraudulent activity.  XXXX  and  XXXX  immediately removed the inquiry, but Equifax did not. Equifax told me to call   XXXX   XXXX   to have the inquiries removed. I called   XXXX   XXXX  . They stated that the would submit a request to the Equifax to have the inquiry removed, and to date, both inquiries are still being reporting on my Equifax credit file. I have called Equifax several times in regards to this matter and each time they tell me to call  XXXX . I called  XXXX  and they keep telling me that they have submitted the request several times to Equifax, but Equifax is still stating that they have not received anything and the inquires are still showing on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying to renew my income driven repayment plan. I have sent the information in by mail twice and also directly uploaded the required forms t o FedLoan 's webs ite. The only response was a form email telling me I was missing information, but I have no idea what that info could be! I also emailed them, as instructed, to suspend my direct debit payment since without th e IDR my p ayments are more than I can afford. I did n't get a response fo r four days at wh ich time the response told me I was too late to postpone but it was only late because they did n't answer me for so long!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Exeter Finance Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an auto loan closed out before the maturity date, without notice and sent to a 3rd party collections. I was unaware and made regular payments to the finance company until I was made aware. Subsequently I paid a settlement debt to the 3rd party. It has been since XX/XX/XXXX since I had made to settlement and still have not had the account closed, even after providing proof of the settlement. No date is set for the closing nor I can not get a straight answer when I will recieve the title in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXXXXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, 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 2020-04-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a renter at a property at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I moved out, and received a release on XX/XX/2016. I received my full deposit as well. I had called XXXX XXXX  XXXX XXXX, and canceled my account at that address. The landlord/owner claimed he had family coming and stated he would have them continue service, but of course in his name. XXXX XXXX, made an error and did NOT change the name. I was never notified by any party, and only discovered a collection for {$290.00} when I checked my credit. I talked directly with XXXX XXXX  XXXX XXXX, and they said I need to work with the owner, which is not correct since I could prove I had called to disconnect, and I also had proof of not living at that address at the time of the charges. I called the landlord/owners representative, a rental agency, and they agreed the owner would pay, as he had possession of the property. They never paid, and will not return calls at this time. I disputed with all three credit bureaus, and they did ZERO investigation, and let the collection. I.C. System, INC never sent any information to me, or request, and have inappropriately reported a collection without ANY investigation!!! Or contact!!! I have attached a letter from the owners representative, confirming, I now longer resided their, nor was I responsible for any utilities at the time this bill was referring.

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 2017-04-19
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I just completed a 5 year bankruptcy plan. I successfully repaid my plan as of  XXXX    XXXX  . I am divorced and a single mom with full legal and physical custody of  XXXX  children. I want to pay my loans back however the monthly allocation of  XXXX  is high. I would like to negotiate taking off the interest that accrued during my bankruptcy to make the payments easier. I am currently throug h ACS and  their communication is only to manage through deferment or forebearance which I am not interested in. I have asked for the lender and discovered it is   XXXX   XXXX   XXXX   XXXX   XXXX   . Yet I call and email them and they do n't have me as a customer. Can you help me as I do n't know how t o reach out and try to resolve this with the lenders?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
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: Information belongs to someone else

Complaint:
I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2017-04-20
Company: Justice Finance Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?

Company response to consumer: Closed with explanation