BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 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 explanation
Consumer complaint received 2021-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We had transferred {$1800.00} from Chase Bank into the tiny XXXX XXXX XXXX XXXX  in XXXX XXXX to have work done that had to be canceled after a storm.Our jeep was totaled in a flash flood at our remote ranch outside XXXX XXXX on XX/XX/XXXX. We were unable to get home and stayed with friends who had no internet or transportation. We were able to get a ride to the XXXX XXXX XXXX XXXX  in XXXX XXXX to get temporary checks and to move money from this little used account back into Chase bank via our mobile app operational inside the bank the date of the transfer. While finalizing a {$4000.00} loan to get our jeep replaced, that lender suddenly withdrew without explanation. We subsequently discovered through a Chase branch manager in XXXX Texas on XX/XX/XXXX on our way back home to XXXX XXXX Texas that an actual freeze had been put on our entire account, not just a hold. While we seemed to have funds in the account on XX/XX/XXXX I proceeded to pay bills unaway at that time there was a freeze on the entire account. I requested Chase launch an investigation into all the communication between us and a department called Loss Prevention Team that withheld vital information about our account, gave contradictory instructions and have generally acted in bad faith. Chase refuses to launch an investition into the communication between us and their Loss Prevention Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Capital One recorded 5 late payments on my credit report. For years it was 4 but recently they tacked on a 5th. I was in a bad place in life and called to let them know I was I couldn't make my payments so I was told I was on a suppression program that would give me time to get back on my feet. For which I did. They claim I was told that the interest was only suppressed and not my minimum payment. I disagree and claim I was given misinformation. They have yet to provide the phone conversation that shows that I wasn't given misinformation or that I understood what I was being told. I would like to be sent this recording as well as statement for the entire year that they say my payments were late in. 

All the proff aside they have an opportunity to help someone out and retain a customer and yet they seem to be more interested in hurting my credit than anything. XXXX I will file these reports over and over again! You have already been repaid. You have nothing to gain by refusing to delete those late payments and are continuing to not just lose a customer but you are paying someone to deal with my complaints. Again I will continuing to file complaints and disputes over and over again. I will cost me as much money as I can until you do the right thing and delete those payments. 

Your stance his highly illogical and anybody in your management department reviewing this case should see that the logical cost effective way to handle this is to just delete the late payments and move on. Maybe I will appreciate the gesture enough to give you another chance one day and we can both profit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed an inaccurate bankruptcy with Experian for several months now. Experian consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Experian has US BKPT CT GA XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Experian did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Experian did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Experian shows the assets and liabilities section as {$0.00}. This is inaccurate information as well.

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 2020-04-01
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a called from XXXX with First Source today XX/XX/2020 around XXXX XXXX I've never heard from this company via mail.They are stating the debt is coming from a XXXX XXXX account I use to have. I'm not currently working but 2 days a week and I have rent, car loan and bills to pay. XXXX with First Source refused to send information via mail. We're dealing with a pandemic and this company is harassing me. I'm trying to figure out how I'm going to make it day to day and this company is calling and bothering me. First Source hadn't sent anything in the mail. How do I even know the bill and amount is valid. Please Please and please do not harass me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit dispute letters were sent to the 3 credit bureaus XXXX equifax and XXXX. They did not remove the charged off accounts that have been remaining on my reports for over several years that have been paid. Credit inquiries and credit card balances still remain on my credit reports over 2 years. A past car loan that has been paid and settled still remains on my report. My initial complaint is that credit bureaus are not removing past and closed accounts in a lawful timely matter which further impacts my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

This my 3rd attempt to fix this issue with EQUIFAX and I am more than prepared to take the next step which take them to court and sue for all punitive damages that this has caused me. The Following accounts are FRAUDULENT and have been proven to be Fraud and per the FCRA section 605b should been blocked and or removed from my credit reports which EQUIFAX lied and claimed they had done. My scores are XXXX  XXXX XXXX  XXXX EQUIFAX XXXX ... .the disparity between the 3 bureaus clearly exposes EQUIFAX and their shady credit reporting tactics and failure to follow in set forth : XXXX XXXX ACCT # XXXX {$5800.00} XXXX  XXXX XXXX  XXXX ACCT # XXXX {$200.00} They reported XXXX  XXXX late after showing the account as closed and now they are reporting it as an active account with a {$200.00} balance ... I have never had a XXXX XXXX   XXXX account!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: EQUIFAX, 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:
Last XX/XX/2018, I sent a letter to XXXX/XXXX   including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX/XXXX  ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX/XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX, 2017 I contacted Bank of America regarding a damaged credit debit visa card ending in XXXX due to a careless mail carrier bending the card. I spoke with the agent approx XXXX and requested they send me another card with the same card number that agent assured me there would be no changes and my new card would be mailed and I could continue using my old card. On XXXX/XXXX/17 I tried to pay a bill with my old card and I received an error message that said payment unsuccessful I immediately contacted BOA approx XXXX and was informed that the agent instead reported my card lost/stolen locked it and issued an entirely new card without my notice. I am livid. I escalated the call to a supervisor to confirm my conversation with the agent XXXX who stated he would notate the account that if I incur any fees the bank will be held liable the supervisor confirmed notation and then promised she 'd expedite my new card and I 'd receive it Friday morning. On XXXX/XXXX/17 the Card was NOT delivered. I called BOA for a third time approx XXXX and this agent informed me that the supervisor indeed expedited the card but the request had not gone in until XXXX Thursday night. I was too upset to continue the call I hung up. The card was not RECEIVED TILL SATURDAY AND I WAS UNABLE TO ACTIVATE IT BECUASE IT CONTINUED TO COME BACK READ AS AN UNRECOGNIZED NUMBER! I tried to use my card ending in XXXX for groceries and was utterly embarrassed BECUASE it came back declined!! SO, I HAVE XXXX BANK CARDS THAT ARE INVALID. NONE IN WHICH I COULD USE. So, I 've been with limited funds since Wednesday XXXX/XXXX/17. I demand an apology and some type of compensation for the stress, inconvenience, embarrassment, and pure neglect on BOA behalf.

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 2022-10-15
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I requested that a statement be added to my credit file and that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2021-08-01
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In early XXXX i got a loan through mariner finance and they put a lien on a car that I am paying off. In XX/XX/2021 I lost my job and could not longer afford my car payments, so I was gifted a car and wanted to switch my lien to the gifted car so I could sell the one I was paying off ( to lessen my debt to income ratio ). 

Mariner finance will not allow me to switch my lien to the other car ( with a free and clear title ). They want me to apply for an entirely new loan or pay off the existing loan. I attempted to apply for a NEW loan and was denied because my debt to income is too high ( because I already have a loan through them and have a car I cant afford ) and they wont let my mom co-sign because she lives in a different state. This is frustrating because i already have an approved loan through mariner finance that I have been paying on and my debt to income ratio is high because of them. I just need the lien to be transferred so I can sell the car I cant afford. 

This seems illegal as they are telling me the only way I can get this taken care of is taking out another loan to pay off their loan so I Can sell my car. I am already in a bad financial situation as I have been paying two car insurances and a car payment I cant afford and they want me to take another loan out to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, 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 been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX-XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/XXXX, 3. XXXX XXXX $ XXXX-XX/XX/XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX through XXXX 2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.

Company response to consumer: Closed with explanation