BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: WILKINSON LAW FIRM, P.C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency calls my work phone XXXX times/day asking for someone named XXXX . I do not know anyone named XXXX. I have contacted them several times asking them to remove my number from their list. 

The last time I called asking them to remove my number was XXXX/XXXX/15. They called me again at XXXX XXXX. on XXXX/XXXX/15. I asked them to remove my number again. They then called back at XXXX XXXX. I asked them to remove my number again and I was rudely told, " your number is not in our system. There is no number to remove. '' So I asked how they were able to call me if my number was not in their system. The woman stated that she did n't know. I told her the problem I was having and that I did not want to receive any more phone calls from her institution. She then repeated that, " There is no number to remove. '' and hung up on me. 

At this point I am frustrated that this company will not stop calling my work phone even though I have asked, and that they treated me as if I were the one making an error, or as if I were delinquent on a debt, or as if I had somehow otherwise offended society. So I called the number back hoping to speak to a manager. When I called back, I had the most unbelievable phone conversation of my life. I was treated as if I did not deserve to exist on this planet. 

The man that answered the phone stated that his name was XXXX XXXX and how can he help me. I asked for a manager. From there the conversation immediately escalated. XXXX stated that I could talk to him. I asked if he was a manager. He stated that I could talk to him. He would not answer whether he was a manger. I then tried to explain what my complaint was, and he cut me off asking where I was calling from because my number does not match their system ( at this point I was on an outbound call from my employer, so the main number would show to them as opposed to my direct line which is the line that they continuously call ). I was n't even able to explain what my complaint was, or the difference in phone numbers or anything else because he was yelling at me and would n't let me speak. So I stated that I would like to know the name of their organization, at which point he hung up on me. 

I do n't have any delinquent debts. I do not deserve to be treated like this. They are in error - they call the wrong person. I have asked to be removed from their list and they continue to call. Even if I were the right person and did owe a debt, no one deserves that sort of harassment or mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello I signed up for a new program with Salllie Mae bc I couldnt afford the expensive monthly payments. They lowered it. Ive paid two out of the 3 months of the probation period. XXXX XXXX & XXXX XXXX They said my loan stays in delinquency until after the 3rd month. I didnt understand this meant they would keep reporting to it to my credit. So they have reported 6 individual loans 2 times to my credit worsening my credit score dramatically when I have paid these past 2 months. ( In the past they have refused to consolidate my loans. ) So I couldnt have prevented this hit to my credit. They said this is federal regulations. This is literally setting people up to fail. ALSO this whole time Sallie Mae is collecting crazy interested on my account because this program doesnt lower my interest rate until after the 3rd month. Basically making it so I dont make any dent in my loans during this two year lower monthly payment program. None of this repayment program is showing live on my Sallie Mae account. I have received one letter about my Payment plan. I only verbally agreed to this payment plan on the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Experian Information Solutions 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 have disputed this account numerous times. I have filed ftc reports and this item is still reporting on my credit report. This company has never validated this debt. This debt is not mines. They have never provided me with written proof with my signature on the original contract to validate this debt. They are in violation of 15 USC 1692gSec.809 ( b ). This company is also in violation of FDCPA sec 807 misleading and false reporting. This company continues to report inaccurate and false information which is ruining my life. I am in the process of getting a home and this item on my credit report is affecting me. It is false information and I will seek litigation if it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A couple of years back I noticed a double payment was taken out of my account for my vehicle loan. I called 3 times and was promised to have the payment reversed. The payment was never reversed. I wanted to explain that story first to paint a picture in your mind of what Santander Consumer USA is doing now. Just recently I sold the vehicle that is under the loan with Santander Consumer USA. I have sent several checks to them with notes to apply the checks directly to the principal. I noticed a check was not applied correctly resulting in my due date being pushed out till XX/XX/XXXX. I called in and asked to have it reversed and explained my frustration to the rep and how the check was marked. The Santander Consumer USA representative informed me that the checks do not go straight to principal, even though they were marked. She also told me that I would have to call in each time this happened to have the payments fixed. The rep gave me their standard spiel in how the payment would be fixed in 72 hours. A few days passed by and the correction was not made and still is not to this day. I therefore called back in as I had since then sent in XXXX more checks that were also marked " principal only ''. XXXX of the XXXX checks were applied as regular payments. The rep I spoke to this time told me the same story, even though the checks were marked " principal only ''. He told me the issue would be fixed and my next due date would be adjusted to be XX/XX/XXXX instead of XX/XX/XXXX. I asked the rep if there was an email address I could email to follow up, he told me I would have to call back in. Today, I sent a written to Santander Consumer USA through their site again, requesting to have this fixed. They responded back requesting me to call in as they can not send sensitive material over email. I responded back that I was not requesting anything sensitive to be sent, although they replied to me in regular non-encrypted email with my account info exposed. I have been persistent with them and will continue to be because they have collected over {$260.00} in interest that I need to help me payoff the car faster. I am also afraid they will disregard my request like they did a couple years back as mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: LEXISNEXIS
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not used my PayPal account since XXXX. I settled with PayPal and they sold the account to XXXX XXXX in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for XXXX XXXX. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In a clearance interview a company was reported that I was not aware of. My credit report revealed a company SANTANDER Consumer U was owed XXXX plus from XXXX. I had never heard of this company, nor entered any agreement with them. I did have a car repossessed in XXXX I believe with an outstanding balance, but I never knew what it was because the car was sold at auction. I do know that it could not have been more than XXXX or XXXX XXXX if that much. They are reporting XXXX as outstanding with the last payment in XXXX. This is not correct. I am soon to face a XXXX because of this report to my credit. I did not know who this company was therefor I also appeared untruthful. I have made several financial mistakes in my life an am not the brightest in this area. But this can not be right. Only XXXX is reporting this debt. If I cant resolve this my military service could be in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I closed and funded after selling my home. 
After 6 weeks I still did not have my escrow money back. 
I E-mailed United wholesale mortgage severs times about this with no response. 
I called twice they said that they had 20 days to mail it I agreed and said your received the pay off on XX/XX/XXXX and its XX/XX/XXXX?? 
They said they would get to it however I still have not seen this check! 
I believe the law is they have 20 days to refund my escrow why do they get to keep over XXXX dollars of my $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They have been calling my mother, who I don't even live with. They said they will garnish my wages by 25 % and seize all assets. This is from a credit card in 2001, so it is 20 years later that I didn't even remember. File number is XXXX and the account number is XXXX. The amount is {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INCONSISTENT AND INACCURATE INFORMATION. ONE GLANCE ( SEE ATTACHED PICTURE ) AND THE INCONSISTENCY IS OBVIOUS. I ASKED THAT THIS DEBT BE VALIDATED AND VERIFIED WITHOUT RESPONSE. THEY CANT EVEN AGREE ON THE ORIGINAL LENDER.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Almost 1 week back, I withdraw XXXX from my WellsFargo account to deposit the money in my XXXX account. The reason I wanted to move money was to avoid penalty charge on the " XXXX '' account for not having minimum balance. 

I could have chose to deposit the check but as I was nearby the bank and did not have check book with me, I chose to withdraw actual cash using my debit card and deposit it into " XXXX '' bank XXXX ft. away. I was given with XXXX bills of {$100.00} each in an envelope. I walked to the nearby " XXXX '' bank and tried to deposit the money via ATM machine in the lobby with the help of bank representative. Only XXXX bills got accepted and XXXX got rejected. The rejected money was then taken away by the representative and deposited manually. I returned to home and got a call from the " XXXX '' bank that the bill that was rejected was counterfeit bill. After I explained that the money was withdrawn from Wellsfargo bank the teller suggested me to go back to wellsfargo and ask for an exchange. He also gave me his business card in case wellsfargo bank representative wants to talk to him. 

On returning to WellsFargo, they refused to accept the money. They say as the money was out of door they can not guarantee it. How could anyone check so many bills before they leave the bank. And where would I get XXXX counterfeit bill. I simply trusted the bank I bank with. I trusted their teller and I trusted their counting machine. 

I suspect, one of the employee mixed it after accidently accepting it from someone. Or there could be another organized group within the bank similar to the wellsfargo fraud that got publicized today. I do n't know. All I know is, I lost {$100.00} for nothing. 

I had been member with WellsFargo for 10 years and they could not trust me on {$100.00} bill. There is no way I can trust this bank any further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: WELLS FARGO & COMPANY
State: FM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wells Fargo is stating that someone closed my account on XX/XX/2010. I have spoken to every member of the wells fargo bank and they do n't have any record who closed the account. I am in good standing with them and this closed account is affecting my credit report. 
WELLS FARGO CARD SERVICE XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Unique Management Services, Inc
State: OH
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:
I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
Please be advised that my dad XXXX XXXX XXXX ( XXXX ) passed away XX/XX/2019. My dad had a Living Trust Account with Chase Bank. On XX/XX/2019 the Living Trust was amended by XXXX XXXX ( notary ). Mr. XXXX submitted these fraudulent documents to an employee in the legal department at Chase Bank. I was able to review these fraudulent documents recently.The Fraudulent document amendmented XX/XX/2019 made my sister XXXX XXXX XXXX Trustee and removing XXXX XXXX XXXX as beneficiary on the House Living Trust. 
Mr. XXXX ( notary ) does not have the legal capacity to amend Living Trust documents. Mr. XXXX notarized these fraudulent documents when his notary license was expired. 
My dad XXXX XXXX XXXX did not walk those documents into the Chase Bank nor did he speak with a branch manager there. 
The signature on the fraudulent amended Living Trust dated XX/XX/19 is not of my dad, XXXX XXXX. 
Please be advised that I have made many attempts to resolve this issue with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Trident Asset Management, L.L.C.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent Citibank an affidavit of truth on how they have violated me since then i have received the green return receipt further proving they have seen the affidavit and exhibits, pursuant to 15 USC 1602 ( p ), 1605 ( a ), 1635 ( a ), 1692j ( a ). This was a consumer credit transaction which characterizes the transaction as one in which the party to whom credit is offered or EXTENDED is a NATURAL PERSON, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Furthermore, the finance charge in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. SUM means TOTAL. I have explained to Citibank that under 1605 the finance charge there shouldn't be any payments, annual fees or interest.

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 2022-04-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation