BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received the attached letters on the same day XX/XX/2021 BOTH in a non post dated envelope -- from WF Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 WF escrow shortage does not clearly show me how this reflects my ongoing pmts or is this a 12 advance notice my mon mtg will double? 
Escrow/Insurance was paid XX/XX/2021 XXXX SO WHY DO I HAVE A SHORTAGE of XXXX? Numbers don't add up and monthly payment doent make sense-see attached SERVICER-XXXX failed to provide 1st pmt date and Wells Fargo failed to provide a letter to me of this transferred mortgage event AGAIN When WF intentionally aware loan is being transferred to a F Rating Servicer XXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with WF are automated coming out the XXXXth of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from Wells Fargo WHEN to stop accepting payment from me-ALSO FRAUD All I recd from WF is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and Wells Fargo from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with Wells Fargo and a week is unacceptable and not enough time -- -This is FRAUD

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 2019-03-01
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Car accident on XX/XX/XXXX and car was totaled per insurance adjuster. Received letter from Kia Finance dated XX/XX/XXXX stating " This letter serves as confirmation your insurance company notified Kia Motors Finance that your vehicle was deemed a total loss ... ... .Monthly payments are not required after the date of loss. '' Received letter for missed payments on XX/XX/XXXX, XX/XX/XXXX ; Notice of Default XX/XX/XXXX ; Statement of past due amount XX/XX/XXXX. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX who said account is pending payment from insurance, and no derogatory reporting will be reported to credit bureaus. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX in Customer Svc - who referred me to XXXX XXXX in Collections - who transferred me to XXXX in Customer Svc -- who told me since this is a lease with claims, no payments required and nothing would be reported to credit bureaus. 

Called XXXX XXXX on XX/XX/XXXX and was told they are waiting on letter of guarantee from Kia. 

Received letter from XXXX XXXX dated XX/XX/XXXX stating they were still waiting for letter of guarantee. 

Called Kia on XX/XX/XXXX and spoke with XXXX who stated they sent letter of guarantee to XXXX XXXX on XX/XX/XXXX, and resent via fax and email on XX/XX/XXXX, but would take 2-3 days to be processed. 

Why are we receiving " attempts to collect a debt '' when initial letter said payments not required from date of loss, XX/XX/XXXX. Our jobs may be negatively impacted if this is reported as late payments or collections to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}

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 non-monetary relief
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This past summer I was scammed out of {$14000.00} that was part of a larger ongoing scheme that defrauded me in the past. The people who did this were under indictment in NJ and were out on bail, traveled to Florida and started up their fraudulent schemes. They had a lot of my information so it seemed legitimate. When I got in touch with Chase, the bank that the fraudster deposited my funds into, they refused to actually deal with it. The fraudsters had multiple accounts at Chase and were laundering money through them as they did in NJ. Chase did nothing to stop this, and allowed the deposits with an account number or a signature, making it impossible to track down the fraudsters. The story is briefly outlined below. Chase should have known that this organization was under indictment, and protected me as well as worked with the bank that the money was transferred from to help them track down the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have fraudulent charges due to identity theft that Capital One refuses to remove and closed my accounts after i submitted a dispute, ruining my credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting act In accordance with the Fair Credit Reporting Chapter XXXX Bankruptcy ( Reference # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, BERLIN WHEELER , INC. will be contacting me in the future for the amount owed ( which is incorrect ). This is XXXX of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.

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 2017-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification   XXXX   XXXX   is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: TX
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:
I called Experian on the evening of XX/XX/2020 to inquire why my credit score had dropped 17 points from XXXX to XXXX on XX/XX/2020. Their representative was unable to provide any explanation for it and simply apologized. My credit score should have in fact improved as all payments have been on time for the last few years and my credit utilization is at 1 % at the time my score dropped. As well, all other indicators have been trending positively ; no new inquiries, acct avg age increasing, etc.. Experian looks to be gaming consumers ; intently diminishing their scores without a logical justification. Is that not a kind of discrimination? I have a Ch. XXXX bankruptcy that will fall off in 11 months - is this not an example of deliberately punitive action against former debtors? Again- they were at a loss to even try to explain it over the phone. They asked to read to me the negative info on my report. I can read it myself, of course. I asked how it can be that my score drops 17 points out of nowhere - with everything going well - and was only offer an apology. They recorded the conversation. I demand a proper and logical explanation for the point drop OR an upward restoration/adjustment in my score to reflect their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Information belongs to someone else

Complaint:
FRAUDULENT ACCOUNTS 1XXXX XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. DEPT OF ED/XXXXEAccount number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO ED/XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXL XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON 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 2018-12-14
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a service member who visited the emergency room at XXXX Hospital on XXXX XX/XX/2018. My insurance is XXXX which processed two different claims for my emergency room visit. I had given any and all of my contact information at the time of my hospital visit. I left on XXXX for 6 months and when I got back XXXX XXXX XXXX XXXX XXXX GA levied a debt collection attempt against me starting in XX/XX/2018. This was unknown to me until XX/XX/2018 when I had my life alert account notify me that a debt was being collected against me. I immediately notified my insurance which is XXXX and had them contact the debt collection agency informing them that I had a retroactive referral to allow XXXX to pay for the debt amount of {$330.00}. AT NO TIME HAD I BEEN CONTACTED IN ANY WAY SHAPE OR FORM to inform me of a debt against me prior to my XXXX XXXX account on XX/XX/2018. After again having my credit score suffer and another XXXX XXXX notification on XX/XX/2018. I called my insurance again who informed me that XXXX XXXX XXXX XXXX XXXX GA had from time of service 1 year to attempt to settle any debt before collection. I then called Profit Services Group myself in an attempt to try to understand what steps they had exhausted to contact me to make me aware of the debt against me. They said they have called my phone number " several times '' without leaving a message or further contact information. To this date I have NEVER received a phone call, letter, email, or correspondence of any kind from XXXX XXXX XXXX LLC XXXX GA notifying me of any debt of any kind. They informed me that the debt was " my fault '' and that they were " right to collect against me '' from XX/XX/2018 forward. Even after being apart of a phone call to the group with my insurance provider who assured XXXX XXXX XXXX XXXX XXXX GA that the levied amount was once again processed and paid in full, they group remained indignant about correcting or reporting debt against me paid in full to the applicable credit agencies.

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 2023-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was told that there was going to be a soft credit check to qualify for a card on the site Wayfair. That was not the case. It was a hard, credit check I did not agree to this. They approve me for {$2000.00}. I am immediately told them to cancel the card. I did not want the card anymore since XXXX XXXX, send me an email stating that I had a hard credit check on my credit. I canceled the card within five minutes of being on the phone with the woman that I complained and complained why they were not being honest about what type of credit inquiry they were doing. I would like this hard check to be taken off please I did not get the credit card. I refused it. I did got approved for it but I dont want it. Please take the hard inquiry off my credit score. Thank you so much.

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