BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I was promised a XXXX signing bonus points which is worth {$400.00} in cash when I applied Wellsfargo XXXX XXXX XXXX on XXXX XXXX 2015. The Letter came with the card arrived said I would get points posts to my account XXXX billing periods the date after {$3000.00} qualifing net purchase posted. I made my {$3000.00} spending in XXXX and today XXXX/XXXX/2015 XXXX billing periods after still no sign of my bonus points. I have called every month a few days after each closing date, and got same answer XXXX billing periods after 3 month spending period ' which is different from it stated on the letter. Every time I called I had to speak to XXXX representatives and repeated the same story over and over. Call center CSR had no authotity to offer any help and said just wait or write to executive office. I am done with waiting, here is my complain!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.

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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
On XX/XX/XXXX I received several calls for Kohl 's with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from Kohl 's since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX XXXX PST. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX XXXX the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. Capital One, its affiliated banks and Kohl 's have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from Kohl 's on this new payment. I have written XXXX and Kohl 's Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to Kohl 's and XXXX. New statement information on Kohl 's shows they reveresed the charges after I paid them and then billed me more late charges and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached an FTC report with 2 accounts and inquiries I did not authorize

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 2022-10-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never been contacted by INTERSTATE CREDIT COLLECTIONS. However, they appear on my credit AS A PAID ACCOUNT. I have never been contacted by them nor have i ever made a payment on this account. 

I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got a call from said name of XXXX XXXX ( XXXX ) XXXX he was calling from XXXXthat I was a Recipient of {$9000.00} grant to get this send {$220.00} to XXXX XXXX in XXXX so i did when no money came he told me that XXXX XXXX will release money XXXX told me i need to {$380.00} to XXXX XXXX.after I send XXXX XXXX ( XXXX ) XXXX he then told me the IRS had a hold to send {$590.00} to release the money in 15min.I think that I am a victom of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have initiated a wire transfer on XX/XX/2014 from my savings account at Wells Fargo Bank ( XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to my father 's account in XXXX, it has been more than 10 days and my father did not receive any money yet, when i contacted the bank there is no response from the Branch, i have visited the bank 3 days in a row.

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 2022-06-04
Company: Experian Information Solutions Inc.
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:
In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXX XX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-04
Company: EQUIFAX, INC.
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:
In XXXX of XX/XX/2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXX/XX/XXXXXX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have now told this company 3 times to cease all communications and they still continue to contact me. Todays phone call after telling the rep today No Further Contact he proceeded to state " Okay, did you want to set up payment arrangements today '' after asking to speak to a supervisor he claims they are all busy. Did not know or understand the FDCPA laws, I have been a collection agent and had to do two weeks worth of training and my current job we do it twice a year to review so we all know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached

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 2021-01-05
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is part of Previous Complaint # XXXX. XXXX/XXXX has me to a 3RD Collection Agency. SouthWest Credit Systems of XXXX, Texas, as of XX/XX/XXXX. XXXX of XXXX IL, and XXXX XXXX of XXXX, Texas, have BOTH sent me letters stating they are Satisfied with my responses and will Cease further Collections. As of XX/XX/XXXX, my Credit Score went from XXXX, to XXXX. I spoke to XXXX of XXXX  at XXXX. She stated XXXX wants my COMPLETE Social Security #. My Attorney says NOT to give it to them. I have provided Copies of Old Drivers Licenses going back to XXXX. I also gave them a Copy of my XX/XX/XXXX XXXX XXXX ID. I have worked for theXX/XX/XXXX XXXX since XX/XX/XXXX. I mailed ALL the copies to XXXX XXXX XXXX, Fraud Dept. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, New Jersey, XXXX. This is has been following me since XX/XX/XXXX. This needs to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The agent for the company, XXXX, called my references after I was less then 1 week late on making my payment. They only made XXXX attempt to contact me which was by calling my home phone at XXXX when I, like most other people was at work and did not leave a message. When she called my references She gave detailed information as to why she was calling to my references so to embarrass me I assume. They were not given permission to contact or discuss my account or situation with anyone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: LA
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:
After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXXXXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I had entered into a purchase agreement for a vehicle, XXXX dodge caliber through XXXX located in XXXX, XXXX. Which was financed by : Santander Consumer USA, XXXX. XXXX XXXX, XXXX, XXXX XXXX : XXXX. This purchase agreement started XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. Even though they where listed I had agreed to continue making agreed payments which i did up to now. Now this is my complaint XXXX refuses to update credit agencies of my account and my on time/correct payments. I have contacted them on different occasion and the credit agencies said there is nothing they can do, this information has to come the financing company. This company has hendered me from getting refinanced as they have refused to do, which kept me in a high interest rate loan. I have just recently been able to get refinanced through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This morning, because of my being alerted from my Experian credit monitoring, I was notified that I had XXXX additional inquiries report on my credit file with XXXX XXXX on XXXX/XXXX/2016. I have since spoken with XXXX as of this morning regarding this and bringing it to their attention that this was in fact via a fraudulent nature. They have told me that they did not do hard pulls on my credit file, but did do a " soft '' pull on the same day. As you can plainly see, there were a total of ( XXXX ) hard pulls and XXXX soft pull to my credit file. I have disputed these with XXXX and would greatly appreciate your disputing this as Fraud in hopes to help expedite the removal of these accordingly. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: InDebted Corporation
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:
XXXX and Indebted USA have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent XXXX, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. XXXX remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports.

Furthermore, I received a collection letter from Indebted USA, demanding that I send in a payment for a past due amount. I do not have a contract with Indebted USA. 

XXXX and Indebted USA have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
Citibank sent balance transfer checks to be used to transfer balances up to my available credit at time of transfer. I submitted a check to 1 of my creditors on XXXX/XXXX/15. I had more than XXXX in available credit. On receipt of the {$1400.00} bal transfer check XXXX/XXXX/15, Citibank decreased my credit limit by {$5300.00} on XXXX/XXXX/15 & refused to honor the check. They sent out a letter after the fact stating bogus & vague generalized reasons. This is an unfair practice that caused a returned item with the other creditor. I have asked them to stop sending me checks because they are misrepresenting. They said they could not stop them from being sent. I am very displeased. I 've been with Citibank for 20 years. I make my payments on time and I pay more than the minimum due most times. I 'd like the matter investigated & that check honorees, as well as them to stop sending me checks unless I request them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian " crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for " credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to " cram '' charges via the XXXX website -- there are plenty of " free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I found fraud on the credit card myself and my daughter share. Yesterday I spent over a hour on the phon with 2 reps and 1 manager 2 times I was disconnected and customer twos sai they needed authorization from manager. Manager was rude and did nothing for me and she hung up on me not wanting to deal with problem. All I wanted was these charges off to file a claim and get new cards. No one cared. Is this how they conduct themselves. I do n't know what to do. HELP! XXXX and XXXX. Account ending in 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 non-monetary relief