BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is continues to happen every month for the past 6 plus months. I put a stop payment for Virtual Funds and the funds still came out of my account for {$47.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.

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 2021-07-04
Company: WELLS FARGO & COMPANY
State: NC
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:
On XX/XX/2021 I had a pre-approved letter from XXXX  XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.

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 2021-07-21
Company: CORELOGIC INC
State: VA
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:
I did NOT authorize an inquiry from the lender while submitting my paperwork and deposit for a vehicle. Before completing this paperwork I inquired multiple times if it would be a hard or soft pull. XXXX, the sales representative, assured me it would be a hard pull. One day after I submitted this paperwork I saw an inquiry on my XXXX  credit report from Credco. I didn't recognize this inquiry and asked XXXX and XXXX, the finance manager, if they recognized that inquiry as being from them. They assured me once again that no they didn't run my credit. I then filed a dispute directly with the credit bureau and they traced the inquiry back to the dealership : XXXX XXXX of XXXX. When I asked the dealership, they told me verbally that they ran my credit on XXXX, which contradicted their several earlier statements that 1 ) there would be no hard pull, and 2 ) they were not the inquiry that I asked about. I have asked the dealership to remove the inquiry and have not heard back on that point.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: AL
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 have sent certified letters to the creditor and to the bureaus asking that these accounts be properly verified and all necessary documentation including signed copies of promissory letter etc. be sent to me in order for me to verify the accounts. The creditor has not responded to any of the letters that I have sent and the bureaus only send letters saying the accounts have been verified without any proof or documentation of verification.

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 2023-03-07
Company: EQUIFAX, INC.
State: AR
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 accordance with the Fair Credit Reporting Act XXXX Account # XXXX, had violated my rights. 

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 a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {$800.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Previous Home mortgage Company " XXXX XXXX '' sold my loan to PHH Mortgage in XX/XX/XXXX without my consent or any Communication / Notification and XXXX Mortgage was also failed to notify me till XX/XX/XXXX and my Auto payments were auto paid to my XXXXXXXX  till XX/XX/XXXX as my payment of XXXX bounced back to my account I came to know that my loan was sold to PHH Mortgage ( Loan # XXXX ) Upon the confirmation from XXXX XXXX i contacted Phh Mortgage and paid Additional {$13000.00} to bring my account upto date and on XX/XX/XXXX additional {$2800.00} as per my conversation with PHH Mortgage representative all was good and they will fix the Credit report not showing the late payments also refund my late fees Till today and repitive calls to PHH mortgage XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ID XXXX and XXXX ID XXXX ) no progress neither my late fees are return or neither my Credit report was fixed every time i get runaround even on XX/XX/XXXX XXXX EST i was talking XXXX ID XXXX she hang-up my call, I am trying to refinance my house XXXX because of them my credit from XXXX score went to XXXX which is costing me additional 0.75 % higher rate ( XXXX ) in long run it will cost me XXXX it look like loan transfer to PHH and PHH to contacting is totally Illegal till today they did not provide me any evidence showing that i received any communication from them till XX/XX/XXXX and as promised fees are not returned and credit reporting is not properly done. I need some one to rectify the situation ASAP Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX  Product/Service : Mortgage Model # : None Provided Account # : Loan # XXXX Order # : Loan # XXXX Purchase Price : XXXX Payment : Deposit ACH Debit Disputed Amount : XXXX As you can see from attached latter from PHH after requesting somany times since XX/XX/XXXX finally they send me some communication but failure to provide any communication which was done before XX/XX/XXXX XXXX also as you can see i never been delayed my payments in my mortgage since XXXX till today this is only case were i was not aware of my mortgage loan was sold to different company without my knowledge and payments were made to my old mortgage company XXXX XXXX and i was panelized for no reason and fowl played by both the mortgage companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a little after XXXX I drove to the arm machine located in XXXX XXXX CA to make a deposit of XXXX. I went through the drive up atm inserted my card and deposited the cash. The machine kept making noises and I noticed it was taking longer than usual it then gave me a receipt saying the machine was out of order ( no signs on machine prior to use ) to contact my bank. I called a chase while still by the atm and filed claim. I was given a credit but today XX/XX/XXXX chase reversed the credit and claimed the deposit money I deposited was not there when they counted the money for that day. I now cant pay my mortgage and have fees accumulated due to this issue. I wanted re investigated or get a subpoena so they can review the video of that day!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notice from XXXX that there is a collection added to my credit report. 
Franklin Collection Services, XXXX XXXX XXXX XXXX. 
XXXX MS. XXXX XXXX. 
It was for {$1200.00}. 
This debt originated more than XXXX yrs ago from XXXX XXXX XXXX. I had there services when I lived in XXXX. When I changed services, they mailed me the boxes to return the equipment in. 
I mailed their equipment back to them. A couple of months later they sent me a letter stating they never got the equipment, and billed me {$1200.00}. Obviously I called to try and straighten this out, but were adamant. Seriously, what am I going to do with the equipment without their service. 
Since then, at least once a year, but this year twice so far that XXXX XXXX XXXX debt is being sold to third party collectors. Just a few months ago it was XXXX XXXX XXXX. This hurts my credit score every time it shows on my report. 
This has been an albatross for more than 10 yrs. Also what they do is show I opened an account with them. When I don't pay they report that I was late. 
This is really hurting me. 
I beg you please help me with this. I am XXXX yrs. old and I don't need this aggravation in my life right now. 
Isn't there a statute of limitations on this kind of stuff. 
Please help me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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:
Since XXXX of this year I have been going back and forth with credit acceptance about a XXXX XXXX car that I co-signed for my daughter which can not make the payments due to being incarcerated. The car had been in the pound since XXXX racking up to XXXX and still has not picked up the car but keeps putting all this interest on with the car sitting at the pound I call every day and ask for a suo and they say one will call me back and none had called me yet. They have not went and picked up there car but they call me 3 times a day for a payment. What do I do from here?

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 2023-09-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a credit card dispute for a XXXX transaction with a company called XXXX XXXX. They had essentially me for a box withing their 5 day return policy window, so there was no way to actually cancel. XXXX XXXX also did not refund me. I went to Wells Fargo for a dispute on my card and submitted information regarding the dispute. Wells Fargo eventually got a response from the company and to my surprise immediately closed the dispute. They essentially did not allow me to respond to the company. All of what the company sent was irrelevant to my particular issue. When I called Wells Fargo, the rep initially told me that they contacted me and did not receive anything from me. Then when I started asking questions, she said that actually when a dispute is filed, the cardholder is expected to input all information and that if the company responds, the cardholder does not get a chance to respond to that. This is very unreasonable especially if the company gives evidence, but you in turn have evidence to counter them. This is a very unfair practice. I've had disputes using my XXXX card and they allow back and forth information from both the cardholder and the company. Wells Fargo is essentially giving preference to merchants it would seem which makes it a very unfair dispute process.

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 2023-01-18
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-04
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened my Premier Checking Account and my Choice Money Market Savings Account with the {$600.00} bonus offer. I went into the XXXX XXXX Branch on XX/XX/XXXX and made the qualifying deposits to satisfy the bonus requirements. The banker confirmed on that day that I was eligible for the {$600.00} bonus after the qualifying activities. 

However, on XX/XX/XXXX, the online service agent XXXX  XXXX declined the bonus without telling me the specific reason. Then on XX/XX/XXXX, XXXX XXXX asked me to contact the branch. Upon checking my account history, I have only received a bonus when previously residing at XXXX XXXX XXXX. I also received confirmation for successfully enrolling in this offer on XX/XX/XXXX. So I should have been qualified for this {$600.00} bonus offer. Since I am no longer in the XXXX  area, I am unable to go into the branch to ask them to investigate this offer. Would you mind checking it again and make the bonus available for me? Thanks.

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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Paid in full in XX/XX/XXXX, and Capital One has been reporting since that I have a high balance of {$490.00} on the card every month to XXXX and XXXX. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
on XX/XX/XXXX I was a victim of an armed robbery In XXXX XXXX My wallet and my phone were taken from me. The police were called but did not show up and I got on the plane to fly home, the credit cards were used and all but Bank of America credited the charges back. They sent me a letter because the chip was verified I was responsible It a total of 6 charges for {$860.00}. 
I even sent them a copy of my airline ticket that shows I was in Nebraska when the cards were used and they still denied my claim

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 2023-08-15
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/2023 a double payment of {$230.00} was made to XXXX. I immediately informed Netspend of the error. Netspend refused to return the duplicate payment stating they must investigate and it would take ten to 45 days before a provisional credit is applied on an obvious error. As of this day a provisional credit nor the return of my has not processed on my verified account. Every representative I've spoken with has given the same response of " we are investigating you must wait. '' Why is returning my money taking so long to be returned? Especially, when it was an obvious error.

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 2021-07-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am having problems with Wells Fargo bank they have taken money out of my savings account with out my permission. I didn't give them any authorization to take the money out of my account. I am on a fixed income and I am XXXX and usually I get {$300.00} out to pay for the utilities where I reside at. Social security sends Wells Fargo my checks directly to my savings account every first and third into my savings account direct deposit. And I am aware of that Wells Fargo bank was sued because they were opening up fake accounts taking people money. And after I told them not to take any money out of my savings account. Wells Fargo took the money out anyway with out my permission and when they took the money Wells Fargo wanted me to pay {$290.00} cent 's to pay for service fees in which I pay my utilities and want to charge me money that I get the money to pay my utilities bills every first of the month. And after I told them that I didn't want them to {$10.00} out of my savings account in which I supposed to have {$84.00} with out my permission took the money anyway.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the metropolitan police and Identitytheft.gov I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.

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