BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had several payments that were suppose to post on XXXX XXXX. I was checking my account throughout the day and late into the night to confirm the payments were going through and to make sure I wouldnt overdraft. Not once did my account show it was overdrawn or was going to overdraw. I deposited more money the morning of XXXX XXXX and saw my account was negative due to my bank charging me a total of {$100.00} in overdraft fees. I contacted my bank to get a refund of those charges as there was no reason they should have been charged and were told they could not refund the fees imposed. My account is now in negative balance because of those fees and Im unable to pay other bills that are pending this week.

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 2021-11-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was hacked and used on XXXX. {$240.00} worth of merchandise was charged and shipped to an individual in XXXX XXXXXXXX AZ. Her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( that is showing on my XXXX receipt ) I immediately contacted XXXX and they cancelled part of the order but were unable to cancel it all as the items were shipped individually. They told me to call my Bank. I called Chase Bank who is saying because the Transaction is pending ( XXXX has noted this is Fraud ) they can not do anything. So as of this morning I have {$7.00} in my account. I am frustrated given XXXX is 2 days away and Chase is supposed to protect my account. Help please. Both entities are pointing their fingers at the other and NO ONE IS DOING ANYTHING!!!!! I have receipt copies of the Fraud charges. Please help me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Integrated Recovery Services
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call on XXXX/XXXX/15 from phone number ( XXXX ) XXXX I asked that they stop calling me. The caller calls back and threatens me on my voice mail message. the message says Hello XXXX this is XXXX XXXX, and I really don 't appreciate you hanging up on my representative here or myself. He then says your coffee pot better be set to XXXX sharp because you will be getting a phone call every single day. You are set here on my list for XXXX including your family, then I 'll contact your job verify employment and send paper work. The caller is calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regarding Trans Union Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Trans Union has on file ; and on XX/XX/2021 I sent XXXX XXXX demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been 30 days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Trans Union is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the balance in full for Comenity/XXXX XXXX XX/XX/2021 in the amount of {$2500.00}, which was the amount indicated to be paid to fully close out the account according to the payment site. Naturally, the account should close itself after the payment posted as no subsequent charges were made to the account. 
I was billed a residual finance charge a month later on XX/XX/2021 of {$5.00}, which I was unaware of as I knew I had no further obligation to this account. 
Once I realized that XXXXComenity was still sending statements, I called to find out what the charge was for and paid it immediately. This residual finance charge of {$5.00} reported as a 30 day late marker for XX/XX/2021, which is inaccurate as my entire pay history with this account has been on time. I never received any delinquent notice nor a phone call from their collections team to remedy. 
I initially called to review this with ComenityXXXX but XXXX refused to speak to me about the reporting of my account. I then submitted a dispute to the credit bureaus and ComenityXXXX XXXX XXXX negative reporting. But they have now put the inaccurate reporting back. I have again recently disputed and they have not resolved the reporting. 
It is disturbing that I have paid all charges due and interest that they required, they billed me more charges after the fact, and then report derogatory information for a {$5.00} fee that I was not even aware of. This is unfair treatment that I want resolved immediately. This {$5.00} fee has drastically negatively impacted my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In review of my Equifax Credit report I discovered XXXX bankruptcies and XXXX judgments. There XXXX items and dates of these filings are unknown and may have been filed by and against someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this 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 explanation
Consumer complaint received 2021-11-23
Company: Executive Credit Management, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the XXXX, I became aware of my identity information being fraudulently used to lease an apartment in another state, resulting in collections activity. I notified the collections agency, Executive Credit Management, and provided the requested documentation. On XX/XX/2021, I received a letter from XXXX XXXX at the company stating they had confirmed my information was fraudulently used. Additionally, she stated that they had closed my file and rescinded all information sent to the credit reporting agencies as of the date of the letter. 

I also reached out to XXXX XXXX XXXX complex and provided them documentation of my stolen identity. Though initially helpful in confirming that the identity document provided by the thief was fraudulent, they never confirmed they had closed the debt. I reached out more than once by email with this request. 

On XX/XX/2021, I received a collections notice, again under the last name used fraudulently, threatening to pursue further collection efforts for the same debt they stated they had closed. I believe this is an attempt by the company to collect on a debt they know was fraudulent and does not belong to me. 

To note, with initial belief that the telephone calls from the debt agency were scams, I filed a prior complaint with CFPB ( case XXXX ). The company responded to the complaint on XX/XX/2021 that they removed their listing from my credit report on XX/XX/2021 due to my identity being compromised/stolen. 

Additionally, when I initially received written notice from this company in the fall I was concerned my identity may have been used fraudulently. I notified the company by certified letter, dated XX/XX/2021 that the debt did not belong to me and also requested the documents to which I am entitled under the FCRA as a victim of identity theft. The organization has still not provided those documents nor acknowledged my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
There are several complaints in and for WELLS FARGO BANK NA but this takes the taco and is unreal to think it 's possible, Whereas Current documents forwarded to CFPB show that WELLS FARGO BANK NA allowed a Veteran and a Senior Citizen not only to be harassed but also tricked by unlawful means to conspire to steal XXXX XXXX Properties by Re- Financing all his land that had already been paid in full without his knowledge or consent and allowed another party/parties to chop up and sell after being notified of encroaching, vandalism and harassment to log illegally was written as a complaint to the companies involved including XXXX XXXX who to this day has XXXX XXXX ; XXXX as the Insured and owner of REAL PROPERTY including the ones XXXX is fighting for in Supreme Court XXXX , XXXX instead of XXXX , XXXX . were it was filed? 
Where WELLS FARGO BANK NA intentionally requested XXXX XXXX Give away his property and pay {$350.00} Knowing and Willingly XXXX XXXX refused to breach his contracts with the " COMPANIES '' mentioned above, so XXXX XXXX filed complaints with federal agencies only to be the PRIVATE LENDER to FRAUD and THEFT when documents show XXXX/XXXX/14 XXXX owner and XXXX XXXX leaser of property and WELLS FARGO BANK NA is notified and ends up allowing XXXX and XXXX XXXX XXXX to Continue the fraud deceit and forgery by way of forefeitures and illegal attacks trying to kill us, also not allowing Insurance company to compensate XXXX for Vandalism but XXXX XXXX and sons receive XXXX XXXX XXXX XXXX to even add Back DECK to home under XXXX XXXX VA XXXX XXXX as well? How is this legal? Leaving XXXX XXXX ; XXXX XXXX and his son XXXX homeless with excuses and burdens to bare. XXXX XXXX never even signed any papers as the primary and supposedly walked in and paid with cashiers " personal '' Check and paid this property off, on the other- hand statements from the Companies state illegal procedure by BANK AND TITLE COMPANIES to XXXX in fraud and forgery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Wells Fargo Dealership Services ( whom I owe a debt to on a loan for my truck, and they communicated with my wife at our home # in which she told them I WAS OUT OF WORK and had no job ) ... .called : 1 ) My Home 2 ) My Cell # 3 ) The Dealership where i bought the truck 4 ) My ex-employer 5 ) My wife 's cell phone 6 ) My wife at her place of work 7 ) My wife 's mother who lives in another Town 8 ) My father who lives in another city ... ... ... ... .. 
... .and therefore told each and every entity listed that they were trying to COLLECT A DEBT from ME, and this is HARASSMENT!!! Either something had better be done about these practices, or I 'm going to file a lawsuit for harassment and defamation!!!!!!

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 2017-02-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Borrowed {$600.00} dollars from cash net usa. My understanding was I would make XXXX payments then I would be done. But, they are charging excessive fees and interest that equals {$610.00} XXXX of XXXX : {$600.00} Outstanding Balance :? {$610.00} Available Credit : {$100.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$180.00} Scheduled Payment Date : XX/XX/XXXX I have already made XXXX payments {$140.00} and {$220.00}. {$610.00} is excessive for borrowing {$600.00} dollars. How can this be legal? It is unfair treatment. I live on XXXX. and {$600.00} is almost the amount I receive every month. {$890.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Independence Capital Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 XXXX XXXX with XXXX XXXX called my wife 's cell phone and my also my cell phone leaving me a voice message. He said he was trying to contact my daughter and her husband XXXX and XXXX XXXX about an important matter. My wife spoke with him on the phone XX/XX/2021 and said she will inform our daughter. He called my wife 's phone again the this morning at XX/XX/2021. This is harassment! 

XXXX XXXX lied to my wife suggesting my daughter and son in law listed my wife and I as second contacts which was not true. He broke the law. 

My wife and I don't owe XXXX XXXX any money. They have no reason to continue calling us and harrassing us. I contacted XXXX XXXX XXXX this morning and warned him to never contact my wife and I again. I also informed him that I was filing a complaint with the XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
SEE ATTACHMENTS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, 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 information incorrect

Complaint:
To Whom it May Concern : Loan number : XXXX Address of Mortgage : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  Phone Number : XXXX I am placing a request for help with a company ( XXXX XXXX ) that has placed credit reporting errors on my account. 


I have spoken to several XXXX Customer Service advisors. 

I have reported, inaccurate late payments ( in XXXX ) that were reported inaccurately to the Credit Bureaus. It is prohibiting me from getting a new mortgage loan for a new home. 

The home was not in my possession in XXXX as it was sold in XX/XX/XXXX, 2017.The title was changed on XX/XX/XXXX and was signed off by a judge in XXXX XXXX , Florida ( Judge XXXX XXXX ) . 

I have also reached out to the credit bureau 's to dispute this error. Please expedidite this as soon as possible in the form of reporting the correction to the credit bureau and sending a letter stating the error. It is severely impacting my livelihood. Time is of the essence. 

XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from XXXX XXXX XXXX XXXX. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

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 2021-11-23
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt for {$1000.00}, showed up on my XXXX XXXX report recently. I have no outstanding debt with XXXX ( account # XXXX ), in fact I have an account in good standing with XXXX. The company AFNI ( account # XXXX ), has sent me an affidavit on XX/XX/21 to supposedly correct the error. The company AFNI, has never notified me of a debt until it showed up on my credit report. There are requesting social security numbers, bank account information, proof of residency, copies of my license or passport. They have only told me they are requesting the proof of residency from XXXX - XXXX. I have no idea what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
my old account with TD bank was opened online and was open with another accout with my name on it and i have no knowledge of it just recived oso checks in the mail then when to TD bank and they was the one who told me it was open online XX/XX/2021 with another account in my name cause they tranfored monet y from other accout to open the accout with TD bank. and i would like to press charges when we do find the person behind this please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After making several requests for assistance, I was denied an application to save my home. Because my loan defaulted ( I was unemployed briefly, then accepted lower paying jobs, to be employed ), I was not allowed to make payments in order to keep the delinquency from growing. I requested a mediation from the courts and was granted a conciliation, which was just a meeting to discuss the options, to which I finally received an application. NOTHING was actually mediated. My application was denied due to FHA guidelines - there must be at least 24 months before I can receive a modification from the execution of the last XXXX. The last XXXX I received was prior to my losing my job. I requested multiple times forbearance to allow payments until the 24 month period expired and was denied, even though the Foreclosure was suspended, according to Wells Fargo. After contacting FHA/ HUD , I was advised that Wells Fargo can actually take over the loan and modify it. Wells Fargo also filed for summary of judgement. It is evident that Wells Fargo has no intention or desire to help homeowners keep their homes. I am not even requesting a lower payment, just a re age or something that will allow me to make payments again. I want to honor my debt and keep my home. I have worked incredibly hard to improve my financial status for a year now and that has happened, but Wells Fargo is clearly more interested in spending money on lawyers and foreclosures than helping borrowers in financial crisis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-04-09
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a forebearance plan with my mortgage and within a day I received a confirmation e-mail from the collector that I had been approved to the plan, however, I would still receive a letter in the mail with details on when it official begins and the duration of such plan. Furthermore, I found communicated obscurely that am required to accept the terms and returned this document with a signature in order for it to be activated. The " approval of plan '' e-mail is misleading in both wording and in creating a false sense that you are in fact covered by the plan when you are not. 

This crucial letter never came, and now my pay period ( XX/XX/2020 ) is coming in under a week. Not knowing whether this month is covered by my forebearance plan and never having signed the agreement and returned it, I now have no choice but to make a full payment to my mortgage. I fear if I do not make this payment, which I can not afford to, it will impact my credit score and I will also be penalized with a fee.

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 2017-11-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.

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