BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo continues to be a predatory company charging insane overdraft fees and manipulating data in order to continue charging fee after fee. They say they will only charge XXXX fees a day, so they will not post transactions until the next day in order to be able to charge extra fees. They will post debit transactions next day, in order to gain those fees. They will change the wording of card swipe transactions to say " reoccurring '' in order to get around the fact that you have opted out of overdraft protection. I am completely stuck and have been charged XXXX in overdraft fees in a weeks time. I have asked nicely for some fees to be refunded but they refuse. I have opted out of allowing them to cover my charges so that I do n't have to pay the overdraft amount, plus the fee, but there is nothing I can do to stop them.

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 2016-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have spoken to XXXX Experian representatives over the course of months now to fix the following problems : 1 ) incorrect SSN on my report stopping me from getting my XXXX score and approval from credit card companies, and 2 ) their inability to verify my address and thus having me wait 90 days. I have uploaded my proof of identity multiple times, and as a result, got the SSN problem taken care of. Experian sent me proof of this saying my SSN has been update on a report.This means they have my identification materials on file -- exactly what they need to verify my address. However they " lost '' it and now I have to reupload them, except now it wo n't let me upload anything. I am dissatisfied with every aspect of Experian 's terrible, incompetent customer service, and believe that my identification materials have been stolen. I will be seeking legal action against Experian.

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 2015-08-05
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
-Applied for card in store because I did not have wallet on me, got approved. 
-Used card same day in store -never received physical card, a bill from the company or a phone call for 6 months. 
-company reported 6 months of late payments all at once, no chance for consumer to fix the issue. 
-offered to pay the card in full, apologized endlessly. 
Attempted to pay card over phone, would not accept payment because it was in collection -Attempted to pay card in store, old navy said they did not take instore payments. 
- Called synchrony bank several times to resolve issue and pay account, non negotiable. 
- Was told I could pay the card in full, but they still would not change anything on my report. 
-Was told by the bank representative, even if the bank was at fault for not supplying a bill for 6 months, ( or a card ), it is still my responsibility to find a way to pay it. 
-Was told by the bank that I signed up for e statements, but never received any of those either. 
The only correspondence I received form old navy was for sales. 
If I didn't have a bill, statement or a card, how am I supposed to pay it online?

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 2015-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to first find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. 

LAST CHANCE OFFER ENDS XXXX XXXX, 2015. 

For Credit/Debit Cards : Call us at XXXX to process a payment over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i called the debt colletor and paid in full {$100.00} plus fees for XXXX and also paid {$100.00} plus fees on another acount, and my credit report still shows that the one that was paid in full is still in collections. I called them and they said it wil not go off my credit report until the other XXXX collections from that same collection company is paid off in full.. and the guy told me it would go off my credit report and raise my score but it didnt, please help, thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
The way these companies are set up is fundamentally NOT in the favor of the consumer. 
There needs to be a simple, easy way to get a credit report and XXXX score without having to sign up for a service that you need to CALL to cancel. 
It is not simple to set up a Fraud Alert or a Credit Freeze- that requires printing out forms, But these companies make it really easy to sign up for unwanted services that should be available for free. And they do n't make it clear on their sites that what they sell you is n't something you need to buy. The services that you can buy- they should make it easy to do online. 

Enough- anyone who understands credit report process at these companies or in the Govt. must know what I 'm talking about, and can articulate it better than I can. 

All I can guess it that - what is it? Lobbying? - somehow these companies have really worked the legislation in their favor. Because as a consumer- trying to work with them is not simple or geared towards my best interest in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.

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 2015-08-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. Please remove.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is on my account twice, which the account is fraudulent and belongs to XXXX XXXX. I noticed these accounts on my credit report in which they have been since XXXX. I did not know or have never paid on this fraudulent account therefore this account has been on my credit report almost 10 years which I am sure against FCRA. I am attaching the signature provided by XXXX to CFPB ; and on their application and providing my mortgage signature page. It is plain to see the signature on XXXX 's application and my signature are completely different. Also, XXXX has submitted a letter of acknowledgment in regards to fraudulently signing my signature in which I attached. Again, It shows my signature and addresses which conflicts with the information on Navient application. Also it against the law for them to report the same account twice. I am asking for this to be removed immediately. Also, if the company reviews my documents it is obvious that I was living at different addresses than the XXXX on their application, look at the date on my mortgage page, Worlds Saving and my property tax document which dates my current address beginning in XXXX until current, therefore I knew nothing of this loan.

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 2015-11-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have previously obtained my credit report through XXXX within the last year ( XXXX ), I have successfully disputed items on my report via Experian online ( experian.com ), yet I do not have access to my report online ( XXXX ). In other words I can not access my credit file online via the Experian website. I continue to be denied through this message " We are unable to honor your request for online access. " through experian.com. I have called Experian about this issue and the only assistance that the company can provide is to send me my credit report via mail. The gentleman that attended to my concerns only informed me that there was nothing that they could do about the matter being that they, the call center, had nothing to do with the website. Meaning they could not resolve any access issues, or any issues in general regarding the website. As of yet there is no link on the experian website in order to complain about this issue or any issue related about the website for that matter. I am looking to have convenient access to my credit file online, for review and disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I mailed dispute letter regarding Bankruptcies that reflected on my credit report. I asked to verify the accounts, I was advised that they did verify through XXXX and the Court systems, this is incorrect. I have security freezes presently on my account so information as such who verified is inaccurate. I have requested to have this reviewed and deleted and the Experian has not done so. I would like to file a complaint against the credit agencies reporting such and stating that XXXX and the court systems as verifiers.

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 2015-08-01
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I tried to link my CapitalOne 360 account to another personal bank account I use and I received a message stating that XXXX  is blocking me from using external sites. I proceeded to call CapitalOne and they were unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. 
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. 
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. 
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. 
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. 
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. 
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. 
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. 
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a long history of issues with Navy Federal Credit Union. It started on the first month of the mortgage with them. All the closing documented had one start payment date, a short time later they told me the first payment had been changed and is now due less than weeks from this notification. 

Another highlight was when I took a XXXX cut in pay during financial crisis. I was having issues with making a payment so I called for help. They said I could spread one payment over the the following three months. I soon learn they turned off my credit-card and reported to credit bureaus I was 30+ days late for the following three months I was making up the payment. I complained to NFCU and they refused to make it right. 

During the last several years I was still struggling and NFCU would refuse to help/offer assistance. I filled out their relief packet with no help in return with the 1st mortgage, they did help with the 2nd. I called the VA more than once for assistance. On more than one occasion they stated NFCU was very difficult to work with and they had to call NFCU in order to force them to work with me. 

During the same time I needed help they would deny me access to my accounts if I was late paying. When I complained they said I needed to call in if I wanted help with accounts. 

On a couple of occasions my home was on the brink of foreclosure. On one specific instance they made me pay all of the extra fees to get it out of foreclosure even though it was never sent to the attorney for foreclosure. 

During the late pays they would call non-stop, almost hourly from early morning hours to late at night. 

I also had an insurance claim on my house for damage. I had deposited the money to my account so I can do repairs. I soon learned that NFCU forced XXXX to send the money to them to hold the money. When I called NFCU they stated they are going to hold the money to make sure I got the repairs taken care of. The amount of hoops I had to jump threw in order to get money for repairs to my house. I did n't know they can force another financial institution to withdraw money from a members account and hand over to them. 

There are many many more issues with NFCU, this is just the highlights over the last few years. I have filed complaints with XXXX, NCUA, etc. 

Recently NFCU refused to provide XXXX a copy of the 30 day payoffs because my signature did n't match what they had on file ( I guess from 20+ years ago ). I tried to fill the link out on line and ironically the link did n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). 
This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.

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