BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Suntrust Bank. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Suntrust Bank on XX/XX/2020. I never asked or gave Suntrust Bank permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), and 15 USC 1692e ( 2 ) a. On XX/XX/2020, Suntrust Bank sent me a statement/bill of an alleged debt., with information about auto-loan information stating that I received a loan. I never received a loan from Suntrust Bank, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).

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 2021-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America has failed to update the credit card account status as closed. Subsequently the company failed to contact me regarding a {$75.00} past due amount in an account with a {$27000.00} limit. The {$75.00} was due to an annual fee. This single item has single handedly ruined my credit. They need to re assess the threshold in which their collection ... .or in this case courtesy ... ... efforts begin. I assume their dialer or a rep did not call on the account due to the limited dollar amount of the delinquent amount. Additionally it is nearly impossible to sign up for automatic payments on their app which I would argue to be predatory.

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 2021-01-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My CitiBank credit card was fraudulently used for two transactions on XX/XX/2020. One charge was for {$220.00} and the other was {$450.00}. I reported these fraudulent charges to CitiBank in XX/XX/2020. When I spoke with the CitiBank representative they were able to eventually refund the charge of {$220.00} toward my account. However, I was notified, on XX/XX/2020, they would not be refunding or able to reconcile the fraudulent charge in the amount of {$450.00}.

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 2021-01-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts are not mine. I am not a credit repair company nor am I a mortgage company in efforts to fix my credit. I have provided my personal information of who I am. Please remove the following information from my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: WELLS FARGO & COMPANY
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2021, I received emails and mail about a Wells Fargo Account. I have never opened a Wells Fargo Account therefore I am a victim of Identity Fraud. When I called Wells Fargo, they had filed an investigation and told me it will be resolved. Each month I would check and they would say they do not have an investigation for me. I have called Wells Fargo 2 weeks ago very frustrated and finally spoke to someone who said they will have it resolved within 2 days and someone will contact me/ I will get something in the mail within those 2 days. 2 whole weeks have gone by and still nothing from them. 

Wells Fargo has completely destroyed my credit because of their horrible inconsistent work. It has been over 5 months with no resolution. I am extremely upset, frustrated, and just truly need help.

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 2018-12-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Threaten to/sued me for a debt I wasnt informed of. Threatening to harm my credit and impact it to harm my daily life which caused stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I was about 14 years old, I made a poor decision. I misused checking account and it resulted in permanent closure of the checking account. I was unable to open a new account with Chase ever since. When I turned senior in high school, I started regretting about what I've done and I decided to pay back negative balance on my closed Chase checking account. They were still unable to open a new account so I decided to open new account with other banks. I've been responsibly taking good care of my bank accounts and credit ever since then. Now I'm XXXX now, almost XXXX years old, I want to do business with Chase again for my company and personal financial management and growth. So I decided to apply for new account and I got an error message saying I needed to visit Chase branch. So I went to branch next day and banker was unable to open a new account because system didn't allow him to. So he told me to call 1 800 number about this issue and so I did and customer service agent told me that branch manager was the only one that can override it. So I called the branch manager and she said she'd get back to me but she never did ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
a XXXX cable guy stole our check book while installing service.. he wrote and cashed XXXX checks for total of XXXX 
though we never wrote checks from our account instead for {$1000.00} once a month to the rent..TD cashed XXXX consecutive checks for {$14000.00} on XX/XX/XXXX than {$8400.00} on the XXXX, with fake signatures. 
we visited the branch and called numerous times over the 120 days ..money was never returned or even investigators din'y not even make one comment. 
we are looking to get our money back, because these checks were not suppose to be cashed out to begin with, they did not have the correct signatures or even there was not similar pattern of writing checks over {$1000.00}, which we only did once a month. 

the branch address is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX/XXXX placed an unauthorized inquiry on my Equifax Credit Report. On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax Credit Report. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681 b ( c ). This is a serious breach of my privacy rights. 
I have been calling XXXX/XXXX, XXXX XXXX, and Equifax since XX/XX/2020 and I have yet to get any proper response I was told by XXXX they didn't have any documentation bearing my signature and they would contact Equifax to remove the inquires yet no actions seem to have been taken by XXXX since. I don't have an telephone account with XXXX XXXX and I contacted them and they told me they don't have an account for so they can not remove the inquire. I contacted Equifax about the Issue of the unauthorized inquire by XXXX and they said they have no power to remove the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During several long spans of time while trying to repay my student loans, while teaching in a public school, I suffered some financial set backs where I was unable to make full loan payments. When I called to asked the servicer about my options, I was always steered toward forbearance. They told me that partial payments didn't count toward XXXX, so it didn't make sense to make that payment at all and that I should just do the forbearance until I was more financially stable. This was correct at the time except that I was still accruing interest and not making any progress on that, which is predatory. Now, that the new waiver is being applied to partial payments, people who did make partial payments are having those months count toward their forgiveness, while those of us to took the advice of the servicer do not. This does not see like a fair and equitable practice. I would have made a partial payment of what I could afford if I had not been steered y my servicer. Forbearances and deferments should count toward XXXX counts under the new waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2017 and in receipt of a telephone call from XXXX XXXX XXXX at XXXX from WFHM . The call was a response from the previous documentation sent to the CFPB, which detailed the correct payment history, which WFHM omitted and left blank, knowing it existed. The information requested from WFHM, is as follows. 1 ) Proof of ALL payments made to the WFHM and not excluded ones. 2 ) Report my mortgage to the credit bureaus. 3 ) An apology letter of the excluded payments and why the chose to exclude payments that were clearly made. 4 ) ALL correspondence in letter form and not on a recorded line, or I have the right to record as well. 5 ) Compensation for the failure to disclose the correct payment history, costing me an opportunity to refinance. Additionally I 've just received notice today ( XXXX/XXXX/2017 ), that my savings account was depleted of funds and closed, by Wells Fargo Bank , NA. The representatives I spoke with today were, XXXX # XXXX and her superior on duty, XXXX ( Mediation Supervisor ). After stating the opening of fake accounts and unapplied funds to garner interest. The call was then escalated to XXXX, whom then took the information from me and forwarded said information to the appropriate departments.

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 2022-10-12
Company: The Outsource Group, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep receiving phone calls from Medi credit XXXX I owe them and I have a balance with them. I have asked for them to send me a bill they claim to have sent a bill XX/XX/XXXX. Ive asked for them since they started bothering in XXXX to send another one they refuse to. They said they dont have to. Instead they choose to call me every day about 2 to 3 times a day and I know Im on a recorded line and I asked them to send me a bill and they just avoid it. I have asked for them to provide me a bill they have refused. I want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account several times with no resolution. My problem with them started after my 1st dispute with XXXX XXXX XXXX. I asked for validation and they did not provide it. After my attempt to dispute this account, they started reporting my account with false late payments. I have copies of my credit reports dating back to XX/XX/2020. They have two different amounts owed, and two different Date of First Delinquencies. I have attached the copies of my reports with this complaint. After they could not provide validation of the late payments with the XXXX XXXX, the late payments were removed from my file. They then sold the inaccurate time barred account to a collection agency called the XXXX XXXX XXXX. I have experienced pain and suffering from everything this company has did to me. I plan on hiring an attorney to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I began by requesting a {$500.00} cash advance from CashNetUSA in XXXX. Cashnet subsequently deposited an additional {$300.00} into my XXXX checking account without me requesting it. CASHNETUSA has withdrawn over {$1900.00} in fees and interest as " repayment '' and there is a remaining balance in excess of {$300.00}. This is nothing more than a loan sharking operation which has assesed over 300 % in fees and interest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Wells Fargo contacted me regarding a debt I am disputing after XXXX Eastern Time on my home phone, a New York number. This number is also listed as the least-preferred method of contact, and they did not once attempt to contact me on my preferred number. Upon questioning the agent who called me, I was told they had attempted numerous times to contact me at a number I had never heard of before. As a result, they were not able to reach me until one month after the account had been in collections, thus further negatively impacting my credit history.

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 2022-10-12
Company: Franklin Collection Service, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

FRANKLIN COLLECTION SV XXXX AMOUNT : {$580.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I closed my XXXX XXXX Bank credit card account ( XXXX ) due to fraudulent transactions on the account that XXXX XXXX Bank notified me of themselves, I am now receiving a collections bill in my name for a different account number ( XXXX ) with XXXX XXXX Bank. I explained to the collection agency that it is not my account and provided proof the I closed my XXXX XXXX Account in XXXX, Midland Credit Management claims that they are collecting a debt in my name for charges in XXXX. I didn't use XXXX XXXX Bank after I closed my account in XXXX.

Company response to consumer: Closed with explanation