BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: Acceptance Solutions Group, INC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Someone called my job yesterday, stated the company name, and asked to speak to me. Stating the company is already too much. My job does not even allow personal calls, which is looking bad on me. If I lose my job, I will definitely seek legal action against this company. They wrote everything on a sticky note and left it on the desk. STOP CALLING ME, ESPECIALLY AT WORK.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX XXXX 2015, I sent a letter to Wells Fargo Dealer Services asking to validate a debt it claims I owe. This debt has been paid in full through my Co-applicants XXXX XXXX Chapter XXXX. Although they are reporting that account # 's XXXX and XXXX to the credit reporting agencies as accurate collections account. I also filed a complaint with the XXXX regarding this matter case # XXXX. A research remediation representative name XXXX XXXX XXXX verified the account ending in XXXX was in deed accurate. XXXX/XXXX/2015 I spoke with a few customer reps at Wells Fargo Dealer servicesXXXX ID # XXXX, XXXX ID # XXXX and XXXX XXXX who all confirmed that the account numbers that I had giving them were not valid accounts. XXXX XXXX was very rude per our conversation this morning. Also stating that she could not provide me with any information because i refuse to confirm my SSN for her. I have corresponded with my Co-applicant on this issue and she provided documents to support our claim that this debt was in deed payed in full through her chapter XXXX. Wells Fargo has continued to report inaccurate information which violates FTC resulting in damages in my financial records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a mail ad in   XXXX   saying I can get {$200.00} bonus by opening a checking account and completing direct deposit tasks. I followed the instruction on the ad and applied for one checking account online and the application was pending.
<P/>
On XX/XX/XXXX , I received an email and a call from one USBANK employee asking to verify my ID. In the email I replied to her, I asked her to confirm I have entered the promotion code and could get my bonus. She opened the account, sent an email to me with my account information and ignored my confirming request.
<P/>
On  XX/XX/XXXX , a few days after I finished my first direct deposit, I emailed usbank and asked about my welcome bonus. The usbank employee confirmed that he saw my direct deposit and asked me to finish another deposit and waited for 6-8 weeks before USBANK could apply the bonus to my account. So I did and waited for 8 weeks.
<P/>
I emailed USBANK in mid   XXXX   and this time USBANK claimed they could n't see my promotion code. I sent them the previous emails between me and USBANK and the USBANK declined my request.
<P/>
I am sure I entered my promo code and even if I did n't, I had asked confirmation from 2 USBANK employees and asked them twice to confirm my bonus and they had 2 chances to tell me there 's no way I can receive one. Instead, the first employee opened the account and dodged my question and the second employee who had clearly pulled out my account information to confirm my direct deposit, deceived me into finishing another direct deposit and holding the account for anther 2 months.

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 2017-07-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I havent a job for several months. When   XXXX   called asking to make payment I did n't have anyway to make payment of  XXXX . so he called me a liar and told me how he knows I am lying ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is committing FRAUD and personal Discrimination acts against my personal credit File with an attempt to Reduce my Credit Score and cause me hardship with higher interest rate for being a Strong Advocate XXXX XXXX XXXX Consumer that 's fought back against the establishment. These XXXX are and have been reporting Collections Account information FRAUDULENTLY, below are the XXXX Fraud and erroneous account the XXXX are attempting to hold hostage on my account : 1. XXXX XXXX XXXX XXXX, this XXXX account was included in my bankruptcy account, Bankruptcy number XXXX, that 's been PAID IN FULL and discharged, but these XXXX Experian is still report this account on my credit file. I 've spoken with XXXX XXXX XXXX XXXX that they 've sent me and verbally spoken with me and assured me that they are not reporting this account with Experian and NO other XXXX 
Credit Reporting Agency. Again these XXXX are hindering my credit score and causing me to pay higher interest rates. 

2. Medical Collection, XXXX XXXX XXXX, Acct. # XXXX, this account was paid by the XXXX, I 'm a XXXX XXXX Veteran and I have the VA as my insurer, and I have XXXX, and XXXX XXXX as my medical Provider. I 've spoke with XXXX XXXX XXXX, I have a XXXX letter from them stating that they are not reporting not one XXXX thing to EXPERIAN, these XXXX ( EXPERIAN ) are falsifying and Committing Fraud against my credit file. I would like for the Consumer Financial Protection Bureau to call XXXX XXXX XXXX at XXXX and they will verify my concerns as being TRUE, I do not owe a XXXX penny to XXXX XXXX XXXX period, Account # XXXX. I 'm also contacting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and an Social Security Beneficiary and the aging dept of the Justice Department civil rights division, these XXXX are playing with me as an XXXX XXXX American Consumer! Enough is Enough NOW!

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 2017-07-15
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In     XXXX   XXXX   2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my   XXXX   XXXX   XXXX  . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
 XXXX 
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
 XXXX 
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
 XXXX 
I asked what system that was, they could n't or would n't disclose that information.
 XXXX 
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
 XXXX 
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
 XXXX 
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were  XXXX  to  XXXX  Eastern ; they are actually  XXXX  to  XXXX  Eastern.
 XXXX 
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX 2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX  XXXX /2016- 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 2022-01-03
Company: Experian Information Solutions Inc.
State: NV
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:
Dear XXXX, XXXX and Experian I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2017-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Financial otherwise known as Synchrony Bank started sending me text notifications in  XX/XX/XXXX regarding a debt for a Wal Mart credit account. I called them up and informed them that I am not the owner of the account, that being a gentleman named   XXXX   XXXX  .
<P/>
The customer service agent informed me that I would no longer receive text messages from them. Unfortunately, this was not the case. I continue to receive text messages from them regarding this debt. I have called 10-15 times regarding this and each time, I am informed that this should stop happening. The latest text message came on Saturday  XX/XX/XXXX  at   XXXX   XXXX   from a   XXXX   number.
<P/>
The message reads : FRM : Synchrony Bank for your Walmart Credit C SUBJ : Account Alerts MSG : The balance on your Walmart Credit Card has exceeded {$500.00} I am not able to provided dates regarding previous text messages and phone calls. However, I did call them 4 times in  XXXX  at a minimum. I have tried being polite with them and I have tried being a complete asshole. Neither tactic has worked to getting them to stop.
<P/>
The debt associated with my cellphone is not mine and I am fed up with being constantly harassed over this 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 non-monetary relief
Consumer complaint received 2016-03-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Wellsfargo Bank in XXXX XXXX in XXXX, Florida and was informed that a monthly fee of {$10.00} will be assessed on my account if the usage frequency of my Debit Card from my account does not exceed XXXX transactions per month. 
On separate ocassions, a {$10.00} was imposed on my account despite having more than XXXX transactions in the monthly cycle. 
Upon inquiry after the first assessment, I was informed that the cycle was from XXXX of the month to the XXXX of the following month based on the opening date of the account. When a second monthly fee was imposed on XXXX XXXX, I contacted the bank and was informed that the cycle started and ended on XXXX of the month. I then pressed the banker who assisted me as to how a cycle can vary that widely XXXX XXXX to XXXX -- 5 business days ) and how a consumer can play by the rules if the target ( deadline ) keeps moving. 
I argued that such an arrangement is unfair to the consumer and the monthly fee assessment should have been based on a calendar month, or at least on a fixed monthly cycle so that the consumer does not get charged with fees via such sneaky tactics.

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 2016-05-11
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never been with XXXX. All my phones have always been through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
About a week ago, I contacted Paypal about my paypal account being closed with a remaining balance to the credit card I have with them. The only way I am able to make payments towards the account, is to be able to login to that account. They closed my account and locked me out because I opened that specific account with them when I was  XXXX . I am now  XXXX  years old, and I opened a credit card with them about 2 years ago. I was over the age of 18 when I applied for the credit card with them. They recently locked my account so I can not log in to make my payments. Why are they just noticing now that I opened the paypal account when I was  XXXX ? I have about {$500.00} balance to pay off with them and now I cant log in to make the payments.. I called and spoke to a manager and said I can make payments over the phone. Well, trying to make payments over the phone is very difficult as when I call, I have to be on a waiting list to talk to someone instead of simply logging in to make a payment. The manager said that my account is locked and that I cant regain access because when I opened the account, I was under 18. He said another option is to make a new paypal account and transfer that balance by applying for another credit card but that it may affect my credit score. This is very unprofessional that they would lock me out from my account when I have to make monthly payments!! If I cant make these payments, I will hurt my credit score and get charged interest when this is not my fault.. I do n't care if they close my current account but I want to pay off my credit card balance first.. I cant keep calling to wait 35-50minutes over the phone to make a payment. It 's inconvenient for me when it takes 1 minute to just log into my paypal account and make a payment. When I go online to the paypal help center to see how to make a payment over the phone, they ask me to log into my account to get a code to make an easy payment. Well, I cant even log into my account to get that code to pay.. So how am I supposed to make a payment?! This company is going to turn my   XXXX   credit score into crap. I am a dependable borrower but Paypal is going to hurt that status. I need them to give me access to my account until I pay off the balance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have been with Bank of america mortgage for 15 or more years and have never been late with a house payment.In XXXX of XXXX my husband passed away and I lost all income except Social Security.In XXXX of XXXX i applied for a modification loan with Bank of America.They had me make three trial payments of {$650.00} on XXXX, XXXX and XXXX which was {$100.00} less than the normal payment and told me several times and even had it in the paper work that I could not make anything but that amount.I called them several times to ask about the payments that I was still receiving with the old amount and they assured me that it would all fall into place after the three months were up.After the new loan amount went thru they put 3 late payments on my credit report for XXXX, XXXX and XXXX which has affected my credit report very much.I have disputed it thru XXXX and XXXX with no results and was told by a manger with Bank of America that they were not changing it.Of course this is effecting me trying to find cheaper insurance or anything else.I really need some help with this.

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 2022-01-03
Company: American Credit Acceptance, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX for my auto loan account. 

I want you to know that I understand my financial obligations, and if it werent for COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made effort to ensure I contact you all about any financial assistance when needed. Since XX/XX/XXXX, Ive had a spotless record of on-time payments. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX. It would also help if you removed the late payments from XXXX and XX/XX/XXXX as well. 

While Im well aware that your purpose is to report late payments, I am also aware that you are under no obligation to report any of these late payments to the credit bureaus. 

That being said, your full cooperation in deleting the late payments is appreciated. 

Thank you for your consideration, and I hope youll approve my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out federal student loans to help finance my XXXX education, as I had no other option to help pay the full cost of attendance. I have been diligent in paying back my loans, have not missed a payment, and in fact, am paying more than my minimum. 

The current loan ( {$2400.00} ) for which I am filing a complaint is the XXXX XXXX loan [ acct. no. XXXX ], the repayment of which is managed by a third party, Campus Partners. I am shocked and appalled at the way which Campus Partners charges usurious fees to handle the repayment. Automatic payments from a checking account have a {$.00} processing fee, and when I tried to pay off the loan in its entirety, I was appalled to find they use another third party billing service ( Heartland ECSI XXXX XXXX XXXX XXXX XXXX ) which charges a {$97.00} convenience fee! I am appalled that they have the audacity to charge a 4 % fee for loan repayment. This is absolutely predatory, and I can not believe that federal legislators and employees ( those in XXXX and at the XXXX who agreed to allow this company to process federal loans in such a manner ) allow this to happen. I am shocked to learn these companies are profiting from federally allocated funds meant to help those in desperate need. 
I sincerely hope that this process will receive immense scrutiny it deserves, the practices are investigated fully, and that any wrongdoings are brought to light. 

I am happy to discuss the matter further.

Company response to consumer: Closed with explanation