BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ok so two things. On XX/XX/23 I went and deposited two checks totaling {$4500.00}. These checks were given to me as a payment for 7 XXXX This morning ( XX/XX/23 ) the checks fully posted to my account and i thought this was all. Now at XXXX today i see my account is overdrawn and I called Wells Fargo and they said the check has been altered but I dont see how thats possible when the check was posted? I accepted the check mainly because I thought you cant return checks. And Wells Fargo said to wait 10 business days for a response how am I supposed to live that long without my bank account or my money. The second thing is this morning when I went to see if my check posted I see unauthorized transactions from my debit card which I also disputed as fraud and ordered a new card. All in all I am basically down around XXXX $ and they cant do anything about it but expect me to wait 10 business days for a decision? This is ridiculous I am strung out left to dry with no money and cant even use my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I spoke to a representative approximately XXXX about a relief. I missed 2 payments in 2020. I have not missed a payment since. I have a negative mark on my credit and I do not have extra funds to pay the late 2 payments. I asked Toyota motors to relief my late payments and I will continue making payments including the late payments, it was denied. I cant refinance my loan even with a fair credit score XXXX because my 120+ day delinquency. I received calls during the day and after XXXX XXXX, and on weekends wanted their payment. they sent me letters stating they will repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company via certified mail and asked to have this validated. They were unable to provide any documentation or contracts that link this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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 Re : Inaccuracies and HIPAA Violation To Whom It May Concern : This letter is being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, The date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX  and XXXX XXXX XXXX for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of [ name of your State ] medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: TX
Product: Credit 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 am not sure why my complaint XXXX was closed, but this complaint is valid! My direct deposit checking account ends in XXXX and I have 3 credit cards with CITI XXXX, XXXX and XXXX. 

For the past 3 months, I have been calling CITI REWARDS to have an account that has never been activated or used on my profile REMOVED ending in XXXX. Everytime I do a direct deposit of my rewards points, this account XXXX shows up as a choice to send funds to which is not valid. I spoke to a " XXXX '' named XXXX on XX/XX/2023 XXXX who stated they would submit an IT ticket to have it removed as they are not able to. When my billing cycle ended, it was still there. On XX/XX/2023 XXXX I spoke to someone named " XXXX XXXX who stated they found this " XXXX XXXX and that he would call me back with the status of the ticket that same Friday. No one called me back. On XX/XX/2023 at XXXX. I spoke to this rude unprofessional supervisor named " XXXX '' who was patronizing and mocking stating she could submit a complaint for me, but probably no one would call me back and that she saw no XXXX case. I said so submit a new one. She said they have no IT department. That I would have to remove this myself on the website. I stated this account is not even on my main profile page so they had to remove it on their end. I am tired of getting the runaround. My REWARDS account is XXXX. My name is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Billing : XXXX XXXX XXXX, XXXX, Wi XXXX. XXXXXXXX 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 2023-09-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have no knowledge of this debt. I am already paying off medical bills to debt collectors directly. This is something new and I believe it to be fraudulent.I am getting texts from a number saying I owe {$2000.00} or more. I have never received any letter from any company about this. I would at the minimum demand a letter in the mail describing the debt and the validity of it to me, as well as the alleged dates and services from the original company and that companies name. I have no idea who this MBA company is or why they are all of the sudden contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, a payment of {$330.00} was made to XXXX of NJ. The same day, I contacted XXXX by email and they reversed the payment on XX/XX/XXXX. During the next couple weeks, I contacted XXXX and chime about where the refund was. Due to the inconsistent answers from XXXX, I decided it was time to dispute the charge through chime on XX/XX/XXXX. On XX/XX/XXXX, I decided to contact chime and XXXX again because I felt its unacceptable to wait this long for the refund. During my call with XXXX, the customer service rep stated they reversed the payment on XX/XX/XXXX and chime accepted the refund, so theres nothing they can do and to contact my bank. I told chime what they said at XXXX hoping it would speed the process. On XX/XX/XXXX, I contacted chime telling them that its been long enough and they need to resolve this or I would file a complaint. If theres anything else you need, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Employer purchased a prepaid Vanilla Visa gift card for {$250.00} at XXXX in XXXX on XX/XX/XXXX, on XX/XX/XXXX the card was used fraudulently by someone else in XXXX at XXXX. I have tried to contact XXXX and XXXX. XXXX won't help me. XXXX tried to start an investigation on XX/XX/XXXX but when I call, the call is disconnected, the quality of the call is poor and you can't hear the representative on the other line. After reading reviews, there are thousands of people that have been defrauded by XXXX. Their customer service is non-existent and I would like a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company Santander Consumer XXXX XXXX has been reporting on my credit file, which another company has so called purchased the particular debt, and that company isn't reporting the accurate information itself. This has been something that I have been dealing with for a while now and it has been no complete merit done by the CFPB who supposed to regulate these companies to make sure there doing things right. I have submitted a complaint with your company before and I didn't feel like you guys have not completed a thorough investigation on my behalf. it took more than 30 days to verify, and any kind of information related to this illicit activity from this company listed on my profile. according to 15 U.S.C. 1681 ( 7 ) says that I want a verified detail description of the supposedly investigation from this company and what they have been doing. This has to be done in a timely manner or else this is grounds for deletion. The FCRA simply sates that all the information has to be reported to bureaus 100 % accurately and that's not what this company has been doing. They have been sued before for discrepancies dealing with consumers and the entities and the same thing that I'm dealing with right now, in the exact same time frame as the lawsuit started. I want this DELETED off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX, To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to any third party.

These are a clear violation of my federally protected consumer rights

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 2022-02-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and Experian.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: MI
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:
A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The XXXX has not contacted me regarding my case which is a direct violation of my rights

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 2021-06-26
Company: SYNCHRONY FINANCIAL
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charged and held responsible for a fraudulent purchase done on XX/XX/2021 using my PayPal credit account in the amount of XXXX at XXXX The ordered products were never received and as per PayPal terms they should resolve this issue

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$380.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I went to the website XXXX to check my credit score and decided to see what kind of refi rate I could get on my first mortgage. I was shown a prequalified rate of 2.65 % and XXXX points from a company called Cardinal Financial. Note, they know my credit score and LTV. 

I clicked apply and was called by a Cardinal MLO that day. I explained that my existing rate was 3.25 % for a 30 year fix, and he send me a link to apply. I applied on XX/XX/XXXX. The MLO did not call me back until XX/XX/XXXX. At this point he said that I could still get the 2.65 %, but now it required interest prepayment ( points ) with a 39 month break even!!! 

What is infuriating is that they did a hard credit pull on XX/XX/XXXX, which has lowered my credit score, and they did so apparently with no intention of honoring the pre-qualification rate. This is bait and switch, and it damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello, I recently applied for a CHASE Sapphire card. The application pended for XXXX verification. CHASE wants to reverify my DOB and Address. It's very odd since I am already a customer. 

Regardless, I sent in the required documents. I just received a letter stating that the documents were not sufficient. I sent in a copy of my drivers license and my marriage certificate. That should be more than enough to verify my name, DOB, and address. 

Can someone competent please review my application and documents I sent in and move forward with the application process? 

Also, my name is not XXXX XXXX XXXX. It's just XXXX XXXX ( middle initial XXXX ). A long time ago I called into CHASE 's servicing call center - the rep kept calling me XXXX, and the next thing you know my name was changed. Can you please update my name to reflect accurately as XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a large payment for my student loans on XX/XX/2023. I received an email stating the payment was posted. When I checked again on XX/XX/2023, I saw that a notification of " payment reversal '' and that the payment was never drawn from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Ive been trying to contact the loss mitigation team for my mortgage company via phone for almost 2 months now. I continuously gets forced into an option in the automatic call system and the system states that the loss prevention team is going to call me XXXX XXXX and never does. I have also submitted my application for assistance in hopes of getting assistance or to obtain a deferment and over a month has passed and i have yet to get assistance nor a callback from the department. Now this mortgage company is saying that starting XX/XX/XXXX they will be applying late fees, after not getting in contacting with loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from the same company but using different numbers. This has been going on for over a year or more. Many times 2 or more times a day. 

Universal Credit Services I have put a couple months of calls. I have tried to get copies of Cell Service bill from XXXX XXXX XXXX but they say only with a subpoena XX/XX/XXXX - -XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX 3 times on this day with this number, XXXX XX/XX/XXXX - XXXX 2 times this day with this number, XXXX 2times, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX, XXXX 3 times this day with this number XX/XX/XXXX -XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - -XXXX, XXXX, XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX 2 times this day with this number XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation