BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America has called multiple times on the same day. Multiple emails which give false information about how making a payment against this debt would not reset the time that they could pursue legal recourse on this old debt that is over 6 years old and they have already charged off. I had in the past attempted to work through a debt settlement service and they refused at the time to accept it as well and now, after 6+ years they decide to start harassing me for the money. I will include the email they sent me about the debt. They indicate things like, because of the age the debt they can not sue me for it and they would not consider any payments made to restart or extend the time they have to sue on the debt. Which is a ploy because by law if I did make any payments they could use that against me and restart the debt if I didn't finish making payments. Due to XXXX I was no longer able to make payments at the levels they wanted, so I attempted to use a debt settlement service to clear up the debts and they refused to accept the negotiated deal with the company so I ended up falling into default on the credit card. They didn't pursue it until now, after the time to collect it ran out and it's off my credit report. They are deceptive while trying to sound helpful and caring. They need to stop this practice and discontinue trying to collect this kind of dead debt.

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 2021-07-27
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced my vehicle with a different bank in XX/XX/2021. The new bank sent a payoff w/2checks ( bc I had to pay a difference ) in the same envelope, but only 1 of the checks was applied -- the larger check. Kia started calling & harassing me so I got the new bank on the phone and they sent ANOTHER cashiers check with the difference but it was not applied by Kia either. I called kia several times with the banker from the new bank on the phone. We provided tracking # and the name of the signer and verified their overnight address each time ; everything was correct but they couldn't find/apply the payment. As a result, I continue to encounter late fees, & Kia is destroying my credit. Each time a Kia rep told me they were looking into it and will fix it but they won't complete my payoff. Finally, someone at Kia said they would correct the issue and stop calling me but then I received a letter by mail stating the same thing : they were trying to collect a debt from me but I have sent them a cashiers check twice to their overnight payment address and it was signed as received. The new bank still hasn't received the title either because Kia won't apply the payment & claim they can't find it even though XXXX has signed for it twice.

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 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 1998 Countrywide /Bank of America issued a mortgage loan under my social security information without XXXX or XXXX verifying as they claim they do .In XXXX 1998 i was only XXXX old I was n't of age to obtain a mortgage loan yet pay for XXXX. Do to this negligence not only have they stolen my identity, my social, they have committed fraud, they have sent to my credit report that i am deceased. I cant apply for my dream home, apply for a car loan or anything for that matter since I look like the XXXX committing fraud over their " XXXX '' game as Countrywide called it to get a mortgage out for their numbers. They have allowed fraud just to get what they need and not think of the consequences that will occur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The reason that I am complaining to you all is that Wells Fargo bank is taking advantage of people that are on a fixed income just like I am I am XXXX and I am struggling just like the other consumers that trust Wells Fargo bank will help me to become financially stable and to no avail has helped me to become financially stable and has taken advantage of all other consumers and opening up fake accounts and forging names with out the consumers consent and sharing the consumers information with out the authorization with out the consumers permission. And Wells Fargo bank has even got sued for taking advantage of people that are banking with Wells Fargo bank. These banking institutions should help the consumers by allowing the consumers to this institutions should be able to provide vital information to the consumers and not to be well informed about the late fees in some cases these banking institutions are not being informed of the hidden fees. In which Wells Fargo bank has failed to do so. I have been told by the men that works with Wells Fargo bank that he is not the one or whatever a person is dealing with family issues should by any means take it out on the consumers. And for whatever a person is dealing with at their house should never bring their families problems to a professional environment and taking their families issues out on the consumers by any means. This always happens to me and other consumers as well. And this has always happened to to people that are struggling just to make ends meet. And all of these things needs to be stopped.

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 2022-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to pay  XXXX  ever  XXXX  for 10 months to payoff. I made  XXXX  payments  XXXX  {$200.00}  XXXX  {$79.00}  XXXX  {$79.00}  XXXX  {$79.00} all to  XXXX  Illinois And  XXXX  to  XXXX  collections Grand tatol {$830.00} means I over played but which amerend sent me check of  XXXX  taking it to  XXXX  tatol.       So then me   and company   agreed to pay    what I   o wed which was  XXXX  after I sent proof of payments. And I played them the  XXXX  in full now I 'm seeing on my credit report. And ever time I call they have not talked to  XXXX  Illinois yet.

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 2015-04-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company is a collection agency and they are trying to collect on a debt that is not yet eligible for collections as this is a closed account with XXXX XXXX XXXX that is not yet 30 days past due. They are calling this a " pre-collection '' debt account that they are trying to collect on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am at my wits end here with XXXX XXXX XXXX! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from Amazon not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about XXXX XXXX XXXX before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private loan with Navient and my payments are too high too pay, and ya 'll say I 'm not able to lower my payments, in which it makes it hard to keep the payments current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to report a XXXX account which has been closed with XXXX and XXXX as well. This account is still reporting negatively on my profile and its blocking my ability to obtain credit. Inaccurate and incomplete information shall be deleted. i was never late with a payment. Block and remove 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 non-monetary relief
Consumer complaint received 2021-07-27
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Had a call from this unknown #, leaving a message from " Harris and Harris ''. Went to research the # & it was from XXXX. Tried to call, but went straight to automated voice mail. Hung up & blocked # & still leaving the same message on my voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
I called Chase on XX/XX/2021 around XXXX XXXX  to let them know that the hotel that we were supposed to check in at XXXX  XXXX XXXX, XXXX XXXX, CA, and surprisingly even though we had a confirmed reservation booked way in advance they did not have any available rooms for us and we had to cancel our vacation. Chase travel representative never tried to help me out and always kept me on hold without providing any actual information. 

I was on a call with Chase travel support on XXXX XXXX XXXX and XXXX. Each time they said that they will compensate by giving XXXX points and because of the inconvenience caused and one free night at the hotel. They used to keep me on hold for more than an hour and were very irresponsible with how they managed the entire situation. They always used to call the hotel and were never able to get hold of the hotel manager. Chase agreed that they signed the contract with XXXX XXXX XXXX, XXXX XXXX, CA. There should be some accountability here and we should be thoroughly compensated for wasting our time and resources. 

Our itinerary number from Chase travel is XXXX. 
Case reference numbers with Chase : XXXX, XXXX, XXXX Chase agents we talked to : 1. XXXX ( employee id : XXXX ) 2. XXXX ( employee id XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sold a car, a XXXX XXXX, several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around XXXX or XXXX, XXXX, in XXXX, VA. I sold it in XXXX, XXXX, in XXXX, TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in XXXX, XXXX. I respectfully request your assistance in having that XXXX Loan acct taken off my records.

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 2021-07-27
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI NATIONAL CREDIT SYSTEMS ; XXXX XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Was notified in a letter dated XXXX XXXX by capital one visa my " card information may have been stolen due to a data breach at a business where I recently shopped. '' Called capital one customer service on XXXX XXXX to simply get the name of the business. Was refused the information and told I needed to contact visa customer service. When I did, they refused the information and was told i needed to conact capital one. When I spoke with a supervisor at capital one customer service was told it was policy not to give out that information. I believe I have a right to know which business in which I shop had the data breach, and obviously capital one visa knows the business name and refuses to inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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:
In 2020 I sent XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my Equifax credit report. They are violating many of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered a consumer credit Transactions with this company with my open ended credit plan. Wells Fargo alleged that I've had alleged unpaid obligation to them, then they processed to charge off and close the credit account. There are no law under the Truth in Lending or FCRA Statutes that stated anything about Late Payments in connection to an open ended credit plan. 
However, 15 USC 1602 states that an account can not be closed without the original creditors written consent. It further states that a natural person can not assume any debt, and pursuant to 18 USC 8 the United States assumes all obligations. Yet, Wells Fargo is attempting to collect an alleged debt from me while harming my consumer reports and my reputation which is a clear violation of 15 USC 1692d ( 1 ). 

To make matters worst, they continue to report the account charged off to the credit reporting agencies every single month for the past 5 years

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 2016-03-31
Company: Credit Central Holdings, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N.A.

Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021, I submitted a fraud dispute with the FTC report attached for fraud to Equifax. They told me with a valid FTC report it would take 4 days to remove. They were not removed. Equifax opened p another dispute on XX/XX/XXXX. They once again said it would take 4 days. Those fraudulent items still were not removed in a timely manner. On XX/XX/2021 the dispute was completed and I received a confirmation and letter confirming that those items were removed from my report. They have not been. It has been almost been 75 days and those items still remain on my Equifax Credit Report after I received notification that they were removed.

Company response to consumer: Closed with explanation