BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX made an unauthorized deduction from my checking account which caused associated overdraft. The overdraft resulted in draft from saving account and cash charges, fees, etc. to Wells Fargo credit card. Occurrence was XXXX day a three way phone call took place between XXXX and Wells Fargo. It was established that the transactions were all unauthorized. XXXX over charged interest even after receiving payments in full. XXXX has also failed to report the loans as having been paid ( in full and excess ) to the credit bureaus. Wells Fargo still has yet to reimburse the savings account and the credit card from the checking account. They sent a letter only a week after the three way call informing that all the proper adjustments had been made. Later, Wells Fargo sent another letter ( false claim ) stating the reversals were not made, and falsely claimed the checking was over drafted. The checking was not over drafted until the unauthorized transaction. I have called repeatedly. This is an online account but I am not able to communicate to Wells Fargo online or file proper disputes online and the calls have resulted in hang ups and repetitive transfers without help. I have spent hours on the phone. Wells Fargo has repeatedly been charging false daily average balances, cash fees, and false balances to the credit bureaus as well. It has been over a month. Also, no one is able to disclose how they are miscalculating the interest/fees, etc. I made no charges on my credit card the last billing cycle yet have lots of wrongful charges, fees interest and false reporting on the billing statement. No one will help. I'd like a bank investigation or Auditor to fix the account because Wells Fargo has been unable to do so. Please assist. 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 monetary relief
Consumer complaint received 2022-05-12
Company: JPMORGAN CHASE & CO.
State: CO
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/2022 a charge was made on my Chase XXXX card for {$1300.00} to XXXX XXXX XXXX XXXXXXXX. On XX/XX/2022 an identical charge was made for the exact same amount to XXXX XXXX XXXX XXXXXXXX. I looked through my credit card statements when I received a notification from XXXX that a shipment was on its way to my home address that I did not recognize purchasing. The XXXX tracking showed the same company name, XXXX XXXX XXXX  XXXX, as my credit card account. I immediately called Chase to close out my credit card, and report the charges as fraud. I then also called XXXX XXXX XXXX Photo to make them aware that there were two unauthorized packages heading my way. The customer service rep was able to look up the orders by the credit card number used, and flagged both orders as fraud. I also requested the company have XXXX intercept the delivery, which also required signature. I also told the employees in the leasing office of my building, who are responsible for signing for packages, to deny signing for any packages coming to my address. On XX/XX/2022 I received a notice from Chase bank that only one of the purchases was deemed fraud, because one of the packages was signed for and " delivered '' to my address. Upon looking at the signature, it was signed for by a XXXX XXXX. There is not an employee in my building by the name of XXXX XXXX, nor are there any tenants of the building with the last name XXXX. I do not know anyone by the name of XXXX XXXX. It seems the purchaser intercepted XXXX 's delivery of the product by signing for it at my address. I do not have knowledge or possession of this product that was fraudulently charged to my account. Chase will be adding the balance of {$1300.00} back onto my credit card within 1-2 billing cycles, and I will be responsible for full payment of this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
They are saying I took out a XXXX loan in XXXX I never attended XXXX in that year nor did I take a loan out in XXXX 

I'm pretty sure my school actually closed down for good around that time

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 2020-04-13
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
Navy Federal Keeps reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with Navy Federal car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my navy federal accounts and my XXXX  score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with XXXX XXXX car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my XXXX XXXX  accounts and my Equifax score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: VW Credit
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Im extremely frustrated in working with vw credit. I leased a vehicle XX/XX/XXXX and decided to buy it out around XX/XX/XXXX. My credit union  sent them the payoff and I received confirmation that the loan was paid in full. I bought a new car from XXXX in XX/XX/XXXX and XXXX XXXX the Volkswagen. I got a phone call from my credit union saying they were unable to get my title and that I needed to contact VW. I contacted them XX/XX/XXXX and they asked me to resign some paperwork which I did and never heard anything. Fast forward to today XX/XX/XXXX after speaking to the XXXX dealer who said they still cant get my title. I called VW. VW needs me to resign the same paperwork. Im extremely upset about the process because the car is no longer in my possession and VW has never followed up with me through the entire process. The only reason Im finding out there is issues is through my other lenders. I honestly feel like VW would keep the title forever had I not been alerted from my credit union. There should be no reason they have my title for almost a year after pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Global Lending Services LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I XXXX XXXX XXXX connected post XXXX veteran XXXX deployments XXXX XXXX XXXX to XXXX and California XXXX XXXX XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX date of birth XXXX Nevada drivers license no XXXX respectfully request an immediate investigation and resolution which should include paying off global lending services bank concerning the XXXX XXXX XXXX  exclaim Nevada license plate no XXXX Vin no XXXX was in an accident the third one within XXXX years the first one I wasn't even in the car. The air bags did not deploy at all plus XXXX XXXX XXXX is at fault for not putting in immobilizer in the XXXX to XXXX XXXX and XXXX Vechicles which include mines just in case they are stolen. I was sold the car from he'll abs the other driver did not give me the complete right of way. The police report says so. Now the vehicle is at Sudden Impact body and repair shop located on XXXX XXXX XXXX XXXX nv. I regret only having inability insurance only for 3 mos I was going to add the collision part on the XXXX of XXXX now this accident which was not my fault hopped. I request that I have justice for the high intrest rate plus the mistreatment by the other drivers insurance company progressive insurance that they either fix my car or since this XXXX XXXX has been in XXXX accidents in XXXX years that the car be totaled via the gap insurance I am paying and the global lending services be paid the XXXX i owe so I can get another vehicle from XXXX XXXX or somewhere. Thank you for your concern. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Trans Union dated XXXX, XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, 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 2021-10-15
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I recently tried to sell my property prior to foreclosure based on the payoff statements I received from SN Servicing. I based the cost of the property on the payoff letters I received from SN servicing on XX/XX/XXXX ( {$340000.00} ) and XXXX XXXX ( {$350000.00} ) The week the closing was to occur XX/XX/XXXX but I disputed a sheriffs commission charge of {$6900.00} that I successfully had removed. This should have bought the final payoff amount to appx. {$340000.00} but the next payoff amount after the commission was removed was {$360000.00}. 

I was told the amount went up because of post judgement interest that had never been included on any of the previous payoff amounts. 

Now the buyer may back out because SN servicing is trying to escalate the foreclosure process so the commission fees will be added again and the property will be auctioned off vs having the mortgage paid off. 

I tried to contact SN Serviciing on XX/XX/XXXX and they stated that the additional charges were for attorney fees and that the balance just needed to be paid. 

Can anyone explain why the previous payoff amounts never included post judgment interest charges and the per diam amounts were significantly less? 

I have copies of all payoff amounts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FBCS collection company sent me a collection notice and claim i owe {$810.00} to XXXX XXXX XXXX. I was able to get them both on the phone and verified that i do not owe any money to them and they never had a patient with my name. I sent letter to FBCS asking for a bill and so far they refused to produce verification of the debt. In the mean time im sick and tired of the letter and phone calls. please have them stop and produce proof. They are obviously breaking the law and harrassing me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
My daughter and I bought a used XXXX XXXX and financed it through Credit Acceptance Corp. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!

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 2017-06-20
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
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:
There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

Experian : 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2023-09-12
Company: Block, Inc.
State: TN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I simply just use this cash app and card for cash..recently I purchased XXXX dollar stock option ... I don't know if that may have caused a problem but they are falsely accusing me of setting up a direct deposit which I absolultely do not have. I worked in XXXX and I am a former XXXX ..they hang up..they send email after email..I still have XXXX dollars owed back to them for a loan they authorize but they wont allow me to add money to pay it back..I want them to stop falsely accusing me..no offense but it is the XXXX and XXXX on the phone..my point is they are not XXXX speaking I believe in XXXX and I do not judge but I have high security clearance I want this stopped!! I want my loan paid back and I want my stock of XXXX sent to me on the other stock option it was just XXXX and XXXX. they refuse to tell me why they are acting this way, ,AGAIN I DID NOT AUTHORIZE DEPOSITS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX, I deposited a check issued to me by the NC State Treasury in my North Carolina State Employee 's Credit Union 's proprietary ATM. The treasury check was a refund of my retirement contributions while working as a local government employee. Given the COVID-19 crisis and the update provided on the credit union 's website, the ATM seemed the appropriate choice at the time. The check totaled {$10000.00}. A State Employees Credit Union representative, XXXX, contacted me at XXXX XXXX, Monday, XX/XX/XXXX via phone. She left a voicemail stating that they were placing a hold on the funds until the morning of Friday, XX/XX/XXXX. I called the local contact number listed for my branch at XXXX XXXX, on Monday, XX/XX/XXXX to inquire about the funds ' availability. The representative that I spoke with via phone advised that the funds would be available at XXXX, XX/XX/XXXX. 

The Expedited Funds Availability Act states the following pertaining to this matter : 1. Cash and other next-day checks deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a Federal Reserve Bank or a FHLB ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) 2. Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ) A depositary bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depositary bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. 

I believe that the financial institutions hold on the funds is discriminatory. The account is over a decade old, and the deposited check issued from the State of North Carolina 's treasury. There seems to be no apparent reason that necessitates holding all of the funds in excess of {$5000.00}. It took a considerable amount of time to receive the funds, and are needed to purchase essential supplies and pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief