BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: VW Credit
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I XXXX, XXXX XXXX requested a loan payoff for the account on XX/XX/XXXX and the loan payoff was posted to the online message box on XX/XX/XXXX. The loan payoff letter was received in the mail on XX/XX/XXXX. The loan payoff is due by the XXXX. On XX/XX/XXXX the first letter of instructions ( claim of credit ), XXXX, federal reserve XXXX XXXX and XXXX, and the negotiable instrument of the loan payoff endorsed was sent to the CFO over night and was received on the XXXX at XXXX pm ( letter of instructions states XXXX business days will be given to receive a response. A copy of the endorsed negotiable instrument of the loan payoff was sent to the billing center requested in the letter that was sent to XXXX XXXX. The first correspondence from Volkswagen credit was post marked XX/XX/XXXX and said they received my correspondence on XX/XX/XXXX. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the loan payoff endorsed on XX/XX/XXXX giving XXXX business days to respond. Volkswagen correspondence was postmarked XXXX and said my correspondence was received XX/XX/XXXX. The third set of instructions was sent on XXXX ( default of notice ) along with POA, federal reserve XXXX XXXX and XXXX, and the negotiable instrument of the loan payoff endorsed. Again, given XXXX business days to respond accordingly. Their correspondence was postmarked XX/XX/XXXX and said my correspondence was received XX/XX/XXXX. All of my instructions were sent overnight using XXXX with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Volkswagen credit Inc. is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the full contract to be paid out for the account with Volkswagen credit Inc. and 1 percent of the total assets of Volkswagen credit Inc. member bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have never been able to access my credit report despite 2+ years of credit history with XXXX  XXXX XXXX XXXX an institution that reports credit history to all three credit bureaus. As a result in early XX/XX/2022 I called TransUnion and was told I had a mixed file. I was instructed on how to file a dispute to fix the incorrect information. Per their request I sent a cover letter explaining my situation as well as copies of my driver 's license and social security card. Within their 30 day timeframe I received a letter in the mail informing me TransUnion could not locate my credit report. 

Upon receiving this I called TransUnion customer support who informed me I was not in their system at all. They also claimed they had never received my documents to initiate a dispute, despite the letter I received being sent to a mailing address they could not possibly have known apart from it being the return address on my dispute envelope that they claim to have not received. Their solution to the problem was for me to send a cover letter as well as copies of my driver 's license and social security card to them, a process that has already proved fruitless. 

Under the Fair Credit Reporting Act, TransUnion is required to fix any inaccurate or incomplete information. My information not existing is as incomplete as it gets, especially when another credit bureau has my information and report on file in full.

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 2018-04-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Citigroup has a government contract to implement the federal charge card system, SmartPay 3. Citigroup is currently currently conducting age discrimination against 18 - 21 year olds due to their new firearm policies that runs counter to laws and regulations passed by Congress, and infringe and discriminate against an individuals Second Amendment rights. Citigroup should not be allowed to have government contracts when they are flagrantly violating the rights of the very individuals who are forced to utilize their products.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a capital One CC. I defaulted in late XXXX. Caught up with a large payment of {$9000.00} in early XXXX. Have made every payment. I have spent every dollar, paying every XXXX. They are making a TON of interest off of me. Yet they restricted my card, I understand I DONT want it, BUT they will not let me redeem my rewards. 
Again, I spent the money and I am paying it ... .Yet I can not redeem. 
I have called and spoken to several people and they will not do anything. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: Kriya Capital, LLC
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:
Credence Resource Management continues to call me. There is no record of me owing any debt to them, either directly or indirectly. I contacted them by mail, last year when they started the harassment, to ask for proof of claim, and to inquire about the statement they sent, but they did not respond. Also, asked in the same communication for them not to call and harass, and to respond by mail as I had done. My fear is that their fraud will continue and they will attempt to bind me to some contract against my consent. Their harassment is very troubling as they call at all times of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Resurgent Capital Services L.P.
State: GA
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:
account number XXXX compant name is lvnv funding llc i contact the company i wanted to see the original documents with my signature cause the address do not match where i been living for the last 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX- XX/XX/XXXX my son XXXX  attended XXXX XXXX XXXXXXXX XXXX XXXX . He had taken out a student loan and I do remember co-signing. Not sure of anything else, it was in XX/XX/XXXX. My son made the arrangements to repay his loan. I was going thru a divorce and filed bankruptcy in XX/XX/XXXX. I completed the bankruptcy in XX/XX/XXXX. After the bankruptcy, I started getting notices from Navient. Never heard of them before. I received e-mail, mail, and phone calls telling me what I owed and what my monthly payments are. When I called they would say XXXX   's account is up to date. I spoke with Navient on several occasions to send me a copy of the amount borrowed, interest, penalties and terms. Because as far as I know I only co-signed XXXX 's loan. I spoke to several people. This is totally confusing to me. One says if I pay {$50.00} they will stop it from going to my credit report while they get the information I requested. Another one tells me I have to catch up with one time payment of over {$1400.00} and than my monthly notes would be around $ XXXXOn several occasions the callers was very rude. I stopped answering the calls after I told them I will discuss this matter after I get the information I requested. I get calls starting as early as XXXX XXXX to as late as XXXX XXXX including weekends. I've called several times to explain that I am not comfortable paying out money over the phone to a company that will not provide me with the information on the account ( s ). If you are collecting money they should be able to provide the information. My personal data has been compromised twice in the past 4 years.I don't know if this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX i closed my loan with XXXX XXXX XXXX XXXX. my loan sold at the closing table to home point financial. my total monthly payment at the time of closing was XXXX this included monthly MI XXXX, XXXX XXXX XXXX of XXXX, XXXX of XXXX and taxes of XXXX per month. my new home was new construction so the property taxes were an estimate at the time to be XXXX per year. when the tax bill came out later that year they were only XXXX per year so naturally i am expecting my payment will go down. my HOI did increase from XXXX to XXXX per year so i expected my new payment should be XXXX in XXXX of XXXX XXXX XXXX XXXX took XXXX from my escrow account and erroneously paid someone elses property taxes. then they sold the loan to freedom mortgage. i had no clue at the time. it was XXXX of XXXX that i became aware that something was wrong. i happened to notice that my escrow account was substantially negative so i went to my sister-in-law, who is a mortgage broker, for guidance. i contacted freedom mortgage and pointed this out and asked them to fix this and they said it would be fixed by XXXX. instead of fixing the issue they reassessed my escrow account and sent me a statement on XX/XX/XXXX saying that my new payment will be XXXX!! i have explained this error multiple times to multiple people at both XXXX XXXX XXXX and at Freedom Mortgage. no one seems to want to fix this. XXXX first said that XXXX made the mistake and would have to reimburse the XXXX but then XXXX said they sold the loan to Freedom so they are no longer responsible for the error regardless that they made it. Freedom keeps saying they are going to fix this but as of XX/XX/XXXX by escrow account is still negative, they have not reimbursed my escrow account. they did reduce my monthly payment to XXXX but this is still NOT correct. my next payment is due on XX/XX/XXXX and this needs to be corrected!! i spoke to XXXX in escalation ( at Freedom ) on XX/XX/XXXX and she assured me, actually PROMISED me that it would be fixed by XX/XX/XXXX. i have been very patient with waiting for all of this to be corrected but that patience has RAN out as they still have not fixed ANY of this! I feel I had no choice but to file this complaint. This is NOT how i expected my first home purchase to go. Freedom did pay the correct tax bill for my property and absorbed the {$14.00} late but that is it. Please HELP ME GET THIS RESOLVED. They are not doing what they keep telling they will do. this is wrong. Thank you

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 2021-11-06
Company: WELLS FARGO & COMPANY
State: NJ
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:
This account don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Wells Fargo, and i wanted todeposit acheck that was in my name.. They said i could come back next day to withdraw some money out.. Myself n daughter n her friend went back next day in afternoon to withdraw cash out, after doing so we ate lunch n got a text message from bank saying it was fraud and the bank froze my account .. Didnt rexieve a debit card in for like 5-7 days from them.. I was told to call this number about this fraud that appeared on text messages .. We called the number n was put on hold for long tome .. We ended up going back to Wells Fargo and to ask questions of the text message i had gotten.. The bank looked at the text messagges on my cell n then looked at each other ( Tellers ) then said we cant do nothing cause the text nessage had froze your account. Told them i just opened one account yesterday n now you freeze my account? Let me have my mkney i told them .. they refused saying my account of new was frozen.. I called the same number on text i recieved day before n the fraud number i called they had said j had no fraudelant on my account i just opened two days before n yet bank lied said my account was frozen whdn it was not. Then i got my card in mail debit card fromwells fargo, had went to XXXX to huy food n stuff for my daughter, again wells fargo had froze my card saying it was fraudelant n called the njmber once again from first fraud message n guy told me my accojnt will be closed by XX/XX/ 2022.. They made me feellike i was criminal and had no fraud on my account whatso dver.. I went into bank wells fargo n withdrew all my cadh i depiosited nclosed my account after breakibg down feeling like i was some kknd of criminal .. Never again with this bank Wells Fargo XXXX They also said once

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 2020-08-11
Company: U.S. BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account at the in XXXX and my open date was changed along with statement information such as deposit amounts and credits within the bank. I just as called by the personal banker at heineins XXXX Ohio branch to come back and sign another document to verify identity of me being the owner of the company when the information was provided at the beginning this was around about XX/XX/2020. I advice him that I had signed this document already but signed again anyways. He stated that they didnt have it and needed it signed again and resubmitted. Then on XX/XX/XXXX I experienced a decline with the same account was told to call and I spoke with someone and he stated that it came up that I was in California and I wasnt. I couldnt make transfers to access my money and I wasnt told anything but to call my branch. I called my branch and spoke with my personal banker XXXX and he said he didnt see anything wrong with my account and that he would issue me another card but when I tried to use it. It came back decline again while the branch was closed I called the XXXX number and the lady told me that a representative named XXXX closed my account and it says that he needed more information on the business. I am very disgusted with whats going on and would like XXXX to stay out of my account or whomever is deleting documents that verify the business that is available in the state website by the way

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 2022-04-02
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX I noticed a collection on my credit report, I sent a debt validation request to Americollect at XXXX XXXX XXXX XXXX XXXX, WI. XXXX on XX/XX/XXXX and was received by collection agency on XX/XX/XXXX. XXXX. They did not validate the debt, instead they sent me a bill. That is not validation of a debt. Thats why I want to file a report. They are still reporting this on all XXXX credit bureaus. There violating my consumer rights. So Im requesting help to get this issue resolved. Also I sent them a second debt validation letter on XX/XX/XXXX and was delivered on XX/XX/XXXX. They still haven done anything to resolve the problem. Im attaching all documents that Ive sent Americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was charge off account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXXXXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2018-04-09
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Recently I noticed that XXXX XXXX had not released my mortgage payment to TheMoneySource as scheduled. I called in onXX/XX/XXXX as soon as I was aware and before TheMoneySource contacted me in regards to my payment. I made a payment over the phone and explained the situation and the representative assured me that this would not be an issue, a day later, upon requesting a credit history TheMoneySource is reporting it as a thirty day late in XX/XX/2018 and ruining my credit. I have since contact TheMoneySource LN XXXX and was told that I needed to dispute the late, so that is what I am actively attempting to do. My payments are made on time every month and this is an unacceptable way to treat a longtime client.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We have attempted to open a savings account at a Boeing Employee Credit Union ( BECU  ) at this address : XXXX XXXX XXXX XXXX XXXX, WA XXXX. We have attempted to meet with them and made phone calls to the branch manager on XX/XX/2019. They will not do so until my wife produces a Social Security Card, they claim it is proof of identity, yet on their web page they state they only need a social security number for tax purposes, which she does have and has provided. We have requested a replacement SS card for my wife, but it will take some time to arrive. This practise seems illegal and I am concerned they are requiring it because she is XXXX. She does have a valid Passport and Washington State Driver 's licence, they would not accept those forms of ID.

Company response to consumer: Closed with explanation