BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX paid me the sum of {$1700.00} ( being the proceeds of the sale of my website ) on XX/XX/2022. It landed in Wells Fargo on the XXXX of XX/XX/2022. The payment was from the XXXX XXXX XXXX XXXX and Wells Fargo is the intermediate bank since I used XXXX banking details. The XXXX account I used, as I'd later learn, can receive funds from the US only, which means the fund at Wells Fargo will be returned. It was the case on XX/XX/2022, when the sender ( XXXX XXXX ) informed me that Wells Fargo had contacted their bank about fund reversal. Since then, however, the sending bank XXXX XXXX XXXX  XXXX XXXX XXXX has been trying to reach Wells Fargo but they aren't returning communication. I got in touch with their support on XXXX but they won't even listen to me unless I visit one of their branches in the US ( I'm not based in the US ).

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 2022-08-27
Company: Navient Solutions, LLC.
State: LA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Southwest Credit Systems, L.P.
State: PA
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 on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage in a letter/statement to your organization attached stated that the late payment ding was going to be removed from my credit report and as of today my credit report still reflects the lateness ding, hurting my credit score. 

I also appealed the lateness with XXXX  and an came back stating the lateness was still on my record even after Freedom said it would be removed after XX/XX/2020.

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 2020-03-12
Company: ID Analytics, Inc.
State: OH
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 have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's changed bank servicers to CitiBank -when they changed their website changed. The website prohibited access for months. I sent numerous emails and no one responded. I called XXXX times in one day -- no one could explain the issue. During that 3 month period I had a XXXX balance. I then made a purchase in XX/XX/XXXX, and was sent a bill via email. The bill linked to the website that would not allow me to view my bill. I sent emails and logged a support ticket as I could not review my statement or see my balance or payment due. No one responded. I could not even access a payment screen. So I went into my old XXXX account and found an old macy 's bill and paid a minimum payment due of {$25.00}. I was called on XX/XX/XXXX and told I owed an additional XXXX and I had late fees. I asked how, and no one could tell me why-they told me different payment amounts that were received, different interest accruals, and refused to offer ANY insight into why the site was down, why no one would call, and how I could see my statement. They also could not answer whether the false late payments were reported to my credit. They should have been able to answer ALL of these questions. I was not permitted to even VIEW my statement. So, I disputed late fees as I did not have a balance and they could not provide any information on the balance, even one rep said she couldnt tell where a {$180.00} balance came from and transferred me to fraud, then I was left on hold for XXXX minutes waiting for someone in tech support to pick up. So I finally got access to my account, and nothing was updated, no late fees were waived. but the payment due on an incorrect balance of {$440.00} was {$95.00}. I had just paid {$25.00}, but they said I paid it too soon, and it would n't be reflected in the XX/XX/XXXX payment, which is illegal. So I paid another {$50.00} -- totalling {$75.00} in payments on a {$400.00} balance that should have been a {$350.00} balance. Then I submitted an email requesting they provide the new balance with the late fees waived because their system was not updated, they refused to respond -- its been 3 days. SO I log in today to see if anything changed, and the late fees were waived, but they demanded an additional {$45.00} -- They forced me to pay a total of {$120.00}. XXXX on a {$350.00} balance. Obviously this is a blatant violation of the CARD act. They have had ample opportunities over the last 90 days to cure their technical issues, to respond to my emails, to pick up the phone while I 've waited on hold, and they refuse to abide by the law. In turn, I 've suffered financially because of their intentional and willful acts, and negligence in behavior and communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
IN BRIEF : Can a Credit card company issue you an UNSOLICITED credit card and begin issuing you bills? 
A few years ago I joined XXXX. At that time they issued me a XXXX credit card. In late XX/XX/XXXX I received my last XXXX bill of {$82.00}, which I paid on XXXX ( XXXX. # 5663 ). 
Throughout most of XX/XX/XXXX I received all sorts of mail offers for a Citibank/Costco credit card, which I did NOT respond to. Late in that year I received an UNSOLICITED " XXXX Anywhere XXXX Card by CITI, '' WHICH I DESTROYED. Late in XX/XX/XXXX I began being harassed by daily phone calls -- which continue to this day. 
In XX/XX/XXXX I SPOKE WITH A CITIBANK REPRESENTATIVE ( at XXXX ) AND MADE CLEAR THAT I DID NOT WANT THEIR CREDIT CARD as my ( non ) actions of the preceding months indicated. At that time the agent I spoke with connected me with XXXX ( at XXXX XXXX so I could cancel my membership with XXXX. 
Below is a summary of the bills I have received ( and not paid ) for a bogus credit card. 
Due date : XX/XX/XXXX for {$80.00} ( includes late fee of {$25.00} late fee ) Due date XX/XX/XXXX for {$110.00} ( includes {$37.00} late fee ) Due date XX/XX/XXXX for {$100.00} ( includes {$37.00} late fee ) IF THIS HAPPENDED TO ME THERE MUST BE MANY OTHERS SIMILARLY SCAMMED.

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 2021-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I am unsure of the date I first received a Chase Sapphire XXXX credit card in the mail. I did not apply for this card. I did not activate the card. I later received a statement with a {$95.00} membership fee as the balance due. I called and spoke to two individuals who transferred me to the same department citing that the department was large. The automated phone system asked for my social security number as did one of the individuals. I declined to provide my social security number. I pressed the issue of my not requesting nor applying for a card. I was finally told they would cancel the card and I will receive a letter. I did receive the letter, however, I am dissatisfied with the fact that I would like to see the application that was obviously fraudulent. My credit report also shows an inquiry. I am very dissatisfied about that fact. I don't trust the letter, or anything associated with this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.

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 2015-10-16
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at XXXX XXXX XXXX. I let XXXX XXXX know that on XXXX/XXXX/XXXX Citi charged off my accounts and closed it. Citi reported the Charge Offs to all three ( 3 ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, Citi sold the charged off account to XXXX XXXX. I have never heard from XXXX XXXX, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with XXXX XXXX filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by Citi and XXXX XXXX, my credit score has gone down in the latrine. I want XXXX XXXX & Citi 's onslaught to my credit be STOPPED. Both Citi and XXXX XXXX should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX ( XXXX ), XXXX, VA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made my {$40.00} credit card payment on the second of this month. I have evidence to show it came out of my bank account. I get a email saying my card is behind on payment today and my new balance is up from {$260.00} to {$400.00} just because of late fees and service fees. This is twice they have hit my with late fees when I always pay my bill on time. I have screenshot proof that this was an error and they are unwilling to change their mistake. It's the Milestone credit card. I did close the card account but I still want to just pay my bill and be done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting XX/XX/2020 Wells Fargo Has failed to inform me about the fraudulent Wire Activity that has happened on their end. I have received an extremely Suspicious check from my former employer. I do suspect Wells Fargo of withholding information and lying to me about what really happened with my case number. I have been constantly run around every time i ask for answers on my case. I have been told a police referral was sent, and that i was to receive a copy of the evidence that was sent to the " Other Party ''. It is now XX/XX/2020 and i have not received any clarification on what was done about the fraudulent activity resulting from my former employer XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX. I would like resolution and restitution for damages, and negligence on behalf of wells fargo.

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 2015-10-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I routinely schedule my monthly Citi card payment online ; I also routinely find that the payment I schedule for XX/XX/XXXX, on or about XX/XX/XXXX, is not in the system. So I schedule it again the day its due. This past month, I went through this process ( checking to make sure my original payment was n't in the Citi system ), only Citi charged my bank account twice, overdrawing it. I called Citi immediately once I learned about the second charge, and they assured me they would stop it. They did n't. They tried to charge my account two more times, and when I called again, they said they were " investigating '' and could n't stop their system from the repeated attempts. When I then contacted them asking to be reimbursed for the overdraft fees from my bank ( now {$100.00} ), they said that because I scheduled both payments ( because their system failed to show me my first scheduled payment ), they wo n't reimburse me ( they also did nothing to even attempt to stop their system from charging my account ). I 'm now out {$100.00} ( and I had to delay or stop other payments as well ), and they 're stonewalling me ; I could use some help. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I began at the beginning of XX/XX/XXXX trying to lower our interest rate for our credit cards after I found out about the Service Member Relief Act. I have reached out to our Discover Card several times and told them my husband was XXXX XXXX but was told several times that it did not pertain to my account. My husband was about to retire in XX/XX/XXXX so I tried still to ask in XX/XX/XXXX and then again in XX/XX/XXXX. I was still told that it was not for my credit card but what I read about the Service Member Relief Act is that since my husband was XXXX XXXX out interest rate should not be above 6 %. I tried to get it lowered through a company and they sent me to an attorney. I am very frustrated and just want to pay our credit card off but do not feel 24 % is a fair rate. They are stating that there will be legal action so I hope that you can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a letter from XXXX XXXX XXXX  regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from XXXX XXXX XXXX, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Conn's, Inc.
State: TN
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 submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONNS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation