BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting auto dial phone calls that are designed to go straight to voicemail and can not be picked up from a company called Nationwide Credit. I have spoken to them repeatedly denying any debt as I have never received an invoice, they say I have a debt, but I have never received anything nor have i ever been to the place they say I owe. I have repeatedly stated that Until I see an Invoice I don't owe anything, They say that's not correct and THEY have determined I owe this debt, Now they continue to call after they have been told to stop and they are sending letters to my home address. When I try to contact directly to say they have to stop calling they reply they will keep chasing me for a debt I don't owe, they don't listen and cut me off mid sentence It is continued harassment and they should be held accountable.

I have NEVER received any Invoice nor have I ever been to the place that Nationwide Credit say I owe, I DONT owe this debt that Nationwide Credit keeps Harassing me for.

The last XXXX I spoke to was XXXX, After telling them to stop calling yet again I received two calls to my voicemail while I wrote this complaint. They need to be held accountable for this Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX   someone used my XXXX  to take money from my chime account. I was already sleeping so I hadnt noticed until the morning in which I contacted chime which is my bank. I also contacted XXXX  in which they both said theyll put in a dispute that would atleast take 10 days. However the next day which was yesterday because the dispute wasnt submitted until the 7th I received an email from chime stating that there were no error and conveniently I wouldnt receive documentation on why for another 10 days. XXXX has been still investigating my case and i dont believe chime is taking the proper time to actually investigate my claim if you have 10 days to reach out to XXXX  how is it solved in 1 and they havent even gotten back to me as of yet. Also XXXX  has stated that they didnt receive any contact from chime regarding my dispute. I also cant file a police report due to the fact that they are saying I need the documentation regarding my denial for the police report. I did the proper work I provided all my documentation and presented every solution I had because I dont know the person so I dont know how they were able to use my XXXX  to get money from my chime account. Its just that my chime has been connected for a long time to XXXX. That does not mean I authorized that charge. I have been given the run around and also theyve hung up on me because they cant answer how could they properly investigate a dispute in 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: GA
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 this may concern, I am writing to request the removal of unauthorized & fraudulent credit inquiries on my Equifax credit report. My latest credit report shows 19 credit inquiries that I did not authorize. I have listed them below : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
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:
In XX/XX/XXXX citing the XXXX XXXX XXXX XXXX XXXX from credit companies we agreed with a XXXX  XXXX  to cancel a card that had not been used in over 6 years. We continued with XXXX card we have used continuously since XXXX. We had also paid off our mortgage. During the rash of data base hackings including the credit reporting agencies and banks, we froze our account accesses with Experian, XXXX and XXXX. Thanks to XXXX XXXX has saved us tremendous grief. Experian immediately sent emails that we could boost our XXXX XXXX for {$29.00} in continuing payments. To reinforce the attempt at extortion, they lowered our XXXX XXXX to XXXX in XXXX of XXXX, citing a lack of credit information. This came from a company that had tracked our credit for XXXX years. When I complained, they simply said they had no information available. We complained to our bank and found that they used the false score on our rating for eligibility for other services. We contacted our insurance company. After a financial review, they agreed to charge rates commensurate with our good credit history. Based on our rejection of emails, texts and a phone call, Experian then lowered our score to XXXX. But they promise to restore our XXXX XXXX with the release of the credit card info from the XXXX XXXX we have used since XXXX and the monthly premium they need! 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 explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Went through XXXX with Bank, and according too the XXXX company myself nore XXXX. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons XXXX, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too XXXX, supposedly Attorneys. At first they claim XXXX, said the accounts were not there's. Then a week before the Judge ruling XXXX through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " XXXX Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? XXXX Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector

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 2023-09-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I report that the information was not accurate on my credit report has payment history and the balance

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 2023-02-09
Company: Self Financial Inc.
State: MD
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:
XXXX should not have charged my account again on XX/XX/2023 for {$150.00}. The charge was not my charge and needs to be reversed again. The attached will show when the fraudulent charge was made on XX/XX/2023, as XXXX  called me to inform me that the card was used fraudulently and they disputed the charge, cancelled my old card and sent me a new card. Please address this issue asap. This is a travesty of justice. I dont use XXXX and they werent authorized to charge my card through XXXX XXXX XXXX, as I disputed with them as well, addressed the issue, but XXXX still charged me. Please address soonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.

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 2023-04-28
Company: World Acceptance Corporation
State: GA
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 was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Id try disputing chargers on my capital one credit card from a car rental company that double charger me. however capital one try to dispute back in XXXX XXXX XXXX, 2020. Meanwhile during that period of time my wife and I had a baby and the document they were asking for I send them too late. I called capital one to try to dispute again this past XXXX and they told me that they cant reopen the case because its a master card, they told me that I am fully responsible for the chargers. I have proof from the car rental company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Bank of America maybe 45 days ago. XXXX XXXX XXXX XXXX I started shopping more which is expected. Suddenly my card was being blocked on websites without warning or calls from Bank of America. XX/XX/24, I ordered a new card and used XXXX to continue my shopping and Bank of America stopped allowing me to do that or use my money at all. XXXX, I called and spoke/ transferred to about six people including one supervisor. Only one representative was able to assist me to get into my account with a forced authorization code issue that BOA can not send to me because of their system. After asking the supervisor to stop this activity or explain while telling him I would close my account, he retaliated by blocking access to my account. Not sure how a bank can legally do this and play with consumers accounts without reason and after confirming personal information for everyday regular purchases. I dont have time to sit on 20 plus hold for codes for simple purchases.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Notice, That XXXX XXXX is Trying to Collect on an Alleged Debt thats Not even a Debt from XXXX. The Amounts they Claim I Owe them Have been filed with Taxes and Makes that Account Income and Income Doesnt Report to My Consumer File. Ive Never Authorized or Gave them Any Permission to Furnish or Communicate With Non Affiliates Regarding my non public information they Breached my Privacy and Now I dont know who Has my Personal Information. Delete and Remove the Account from my Consumer File immediately From Experian, XXXX XXXX XXXX. They even tried to collect on this Account and they havent produced any Documentation of a Legal Claim Nor have I Validate the Accoutrements

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 2023-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
There are unauthorized inquiries reporting on my credit report, I requested information that validates these companies pulling my report or validates the credit reporting agencies furnishing these inquiries and have yet to receive any responses.

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 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
I have two old collection accounts with portfolio recovery Associates both of them are showing up as OPEN on my XXXX report but both accounts are paid in Full and should be closed. last report was pulled XX/XX/XXXX have disputed it on XX/XX/XXXX they came back as valid Both accounts are listing Portfolio Recovery Associates as a Factoring company they are not. 

One of the Accounts was settled but the remaining balance of XXXX shows up on my credit report and it should show XXXX balance and closed status. 

I keep getting diffent answers everytime i call They refuse to connect me to a supervisor just diffrent agents that tell me something diffrent everytime. 

I have emailed excutive staff they will not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the ban
king systeI And item repreat by more then XXXX years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXXXXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXX XXXX XXXXXXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have two CDs with Wells Fargo. I received notice that the CD would be renewed at the same term if I did not respond between XX/XX/29 and XXXX. I called prior to XX/XX/29 and on XXXX. I missed the period between XXXX because we were traveling outside of the country. I let them know I would pay a fee since I was outside of the grace period, but they said the only way I could stop the CD from renewing was to mail in a notarized letter ( which is not easy and would potentially cost me money ) or to make an appointment with a banker ( which is only during my work hours and I would have to take off or miss work ). I feel that Wells Fargo is intentionally making it difficult for me to change the terms of this CD. The rate is currently at 1 % and I'm sure they do not want to pay the current fair market rate of 5 %. They are being abusive by not having this ability via phone and making it very difficult for a consumer to complete this action.

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 2023-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I signed my mortgage in XX/XX/2022. At the time of closing I noticed that they were trying to charge me an {$300.00} for taxes and insurance. The annual amount for my taxes was {$740.00} and my homeowners was {$730.00} per year. This would equal {$1400.00} or {$120.00} per month. 
I immediately inquired at the closing why I was being charged for escrow {$300.00} instead of {$120.00}. They advised me this was an error and would get it fixed but I could continue with the closing. 
My loan was then sold to Pennymac immediately without any accurate change to my escrow amount. I contacted Pennymac and they claimed to have corrected it. I then applied for Covid forbearance. My Covid forbearance is up and I will be starting to make my monthly payments. 
However, when I called to again advise that this amount for escrow was still incorrect, I was told it had been changed to {$240.00} per month but they would no longer pay my homeowners. So now I am being charged {$240.00} and my monthly property taxes are {$66.00}. The rate for the current tax year went up to {$800.00} per year. 
This is completely unacceptable. I am being charged an additional {$180.00} per month for my escrow. This is three times what it should be. I am not made of money and do not have money to pay almost {$200.00} per month to sit in an escrow account and do nothing. 
In addition, I have never received anything in writing from this company that they are no longer paying homeowners. I could get no help from people on the phone. They kept saying they couldnt discuss it until my account was caught up. I am currently waiting for a Covid 19 Reluef payment to be made to catch my account up, it was paid to the lender a few days ago and has not posted. This should be irrelevant because this issue involves exorbitant charges for escrow.

Company response to consumer: Closed with non-monetary relief