BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a payment to someone who I thought was a legitimate seller online. Payment was sent but I soon figured out something was wrong and contacted cash app to try and recover my {$240.00}. Cashapp as an automated service for this. Not once did I get to speaks to someone and for days they left me with no update only to send a automated response the day the report closed, sorry cant help. There was no transparency here, no information on when or if they even tried to recover my money. I have also XXXX  my bank into the matter but they also have not provided an update as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2021-01-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- I originally reached out to Wells Fargo on XX/XX/XXXX to apply for a refinancing of the mortgage they currently hold. 
- XX/XX/XXXX I submitted my application - XX/XX/XXXX -I Paid an upfront fee of {$550.00} which was to be applied to the survey - XX/XX/XXXX All documentation and paperwork were completed by XX/XX/XXXX. 
- XX/XX/XXXX that my loan was submitted for approval and final decisions should be forthcoming within a week. 
XX/XX/XXXX Notified My loan was rejected due to the debt to income ratio. 

I have a better credit score now than I did when I was last approved less than 1 year ago. Since then I've eliminated a different monthly mortgage payment of {$800.00} and this would reduce my current mortgage by {$400.00}. My year over the year XXXX P & L reflects higher income than XXXX. 
My current APR is 4 % and it would be reduced to 3.25 % Thank you for your 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 explanation
Consumer complaint received 2023-11-09
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email showing my credit report had changed so I logged into to XXXX XXXX to review it. My score went down XXXX points and it mentioned an XXXXXXXX XXXX XXXX XXXX. I have never had an XXXX XXXX XXXX account. When I called Sunrise Credit Service collection agency, they gave me information that was NOT mine. The address was in XXXX, TX, the phone number was not mine and the email address was not mine. 
They said this account opened in XX/XX/22.

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 2021-01-12
Company: Asset Management Outsourcing, Inc.
State: GA
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:
XX/XX/2020 An debt validation letter was sent to Nationwide Recovery Services that is reporting a debt to the credit bureau. Nationwide Recovery Services did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that Nationwide Recovery Services did not verify the debt they say I OWE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust Mortgage issued an escrow refund check with the incorrect bank account information. The refund check bounced at my bank due to the error. I have contacted SunTrust three times to have the bank charge reprocessed and was informed the issue is being addressed by leadership with no estimated time this issue will be resolved. I requested follow up with leadership and was informed they could not be contacted.

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 2023-11-09
Company: WELLS FARGO & COMPANY
State: UT
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:
I was foreclosed on by Wells Fargo in XX/XX/2014, they were unwilling to work with me, I was as a single mom, with XXXX kids, and couldn't make my payments. I understand there is a lawsuit regarding this with Wells Fargo.

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 2023-11-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
UPON MY REVIEW OF THE ATTACHED EXHIBIT ( EXHIBIT E ) I REALIZED THAT I NEVER SAW THIS DOCUMENT, NOR DID I SIGN IT. MY SIGNATURE ON THIS DOCUMENT IS A FABRICATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: SUNRISE CREDIT SERVICES, 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:
I am writing to inform you that someone unwillingly open an account with my name, I did not give anyone consent to open an 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 2021-01-11
Company: Express Collections, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased furniture when we lived in Texas from a company called XXXX XXXX. They told us it was a 12 month installment loan. It ended up being a 90 days same as cash. They added all kinds of interest fees and charges to the debt. Not only that we were double billed. We paid off the other Company. XXXX XXXXXX/XX/XXXX XXXX turned the account over to Express Collections out of South Dakota. 
This is the only delinquency left on my credit report. I tried to settle the account and they will not negotiate a fair price. We are in the middle of a Pandemic and they will not budge. Every other Company in America will negotiate for XXXX % of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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 status incorrect

Complaint:
I have two credit cards through XXXX. Around XXXX/XX/XX/XXXX one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX ( XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). Equifax and XXXX have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from Equifax is still pending. I am including all three companies : XXXX, XXXX and Equifax on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I would like to request to correct thy companys habit of writing letter. For three times, I have received a paper, which says update on your claim. However, these letters, at least two of them, do not have any claim number ; therefore, I do not know what kind of information thy company want. As far as I remember, I have sent many documents to thy company and other companies. And, simply, I do not know what I have sent. Also, I do not know what kind of claim number you have made to my papers. At least, as far as I see, there is the claims regarding XXXX and XXXX XXXX XXXX, both I can not understand what going on. XXXX asks sometimes some survey, which asks about its horrible service. Toward them, I just give the negative answers ; therefore, I believe it does not know what it should do ; even if there are some inquiries how to connect with me by my fans and customers, because I still use the business cards with the business address connected with XXXX. Regarding XXXX XXXX XXXX, I just stopped because its offered package was mysterious, and I believed myself it charged even though I canceled. And there were unexplained insurance activities regarding this office, too. I am certain I sent more information to thy company regarding insurance companies. Therefore, without any claim numbers, I can not send any information to the provided address. Anyway, I just want to ask you whether you ever have had to give me the claim numbers so far properly. I just hope you stop sending the document, which does not have any claim number ; otherwise, it causes uncomfortable feeling to neglect my feeling and cause uncomfortable sense. 

Sincerely,

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 2023-09-21
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I visited the Comenity website to pay for my XXXX credit card balance. In order to make electronic payments the website is requiring me to consent to E-Sign and electronic statements to have access to pay my bill online. I do not wish to have electronic statements. This is a new card and I was not told in my disclosure that I could not pay my payments electronically without consenting to estatements. I will potentially have a late payment on my account because now I have to mail a check payment. I believe this is a UDAAP violation as e statements may cause late payments where cardholders will be charged fees they would not get otherwise. I also believe this could be a violation of Reg E, Reg Z and e-sign rules to combine these agreements and consent in one decision for the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was shopping auto insurance and was told that a accident claim was on my clue report. I know this is not my claim so I asked for the consumer report company that gave them this information and they said LexisNexis reporting agency. I went online to ask for a copy of this report 45 days later they send me a letter that states that LexisNexis has conducted a search of its databases based on information provided to them and is unable to give me a copy of this report. I want a copy of this report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX  company, but in any case these accounts should not be reported by XXXX XXXX now so please delete these false accounts asap.

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 2021-01-12
Company: Torriere Holdings INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXXI was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX . I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX2020 and that representative then informed me that the account was then sold to another collection agency called, Spire Recovery Solutions. That same day, I called Spire Recovery Solutions to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " Spire Recovery Solutions , LLC is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXXXX/XX/XXXX : XXXX XXXX ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports. Spire Recovery Solutions collected funds under false pretenses, never contacted the original creditor that the account was paid in full and more importantly reported to all three credit bureaus that the account has been settled. This is considered fraud!

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 2022-10-10
Company: EdFinancial Services
State: VA
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:
On XX/XX/XXXX I submitted a written request for a refund to my federal student loan provider, EdFinancial, stating " The Department of Education announced that those who qualify for student loan forgiveness who have been making payments during the student loan pause are entitled to get a refund for those payments, and that, in order to do so, they need to contact their student loan provider directly. I am requesting a refund of all of the payments I elected to make during this pause, which were not required. '' and then called and made a verbal request on XX/XX/XXXX requesting a refund as well. I have received no updates nor any timelines and it has been 6 weeks since I submitted both a written and verbal request to EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact Jefferson capital several times over this debt and let them know this is not my debt now it shows up on my credit report twice totaling {$800.00} this is fraud! 
on my credit report it has 2 other account # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I pay my capitalone account twice a month over the amount due billed monthly. The statement states by due date is the XXXX each month. They keep charging me late fees for paying BEFORE the XXXX and stubbornly tell me I can't pay my bill early or I'll get charged late fees of which they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an Accelerate Savings account to store funds while shopping for a new home. Upon going to withdraw these funds, Citi refused to transfer them. They cited a $ XXXXmo withdrawal limit - at no point during the opening or funding of the account was I notified of this limit. With this policy in place it would have taken over a year to access the full account balance. I believe this policy was implemented in bad faith, to force me to maintain a balance in the account against my wishes. 

Upon discussion with a Citi representative, they told me that the only way to immediately access my funds was to temporarily open a Citi Interest Checking account which would allow me to wire the balance to my primary bank for a {$17.00} fee. This account requires a $ XXXX  minimum balance, and has a $ XXXX  monthly servicing fee. 

After many hours on the phone with Citi representatives and hold times that seem intent on making callers give up, I was able to transfer my funds. I contacted Citi again to close the checking account but was told that because the account was less than 30 days old, they could not close it. Upon opening the account, I was told by the Citi representative that only needed to have it open to complete the wire transfer and could then close it again. The representatives refused to escalate to someone who could and suggested I call back after the account was open for 30 days. Again, it seems that this policy is enacted in bad faith - if the account remains open without the minimum balance, I will be charged account servicing fees.

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 2021-05-23
Company: EQUIFAX, INC.
State: GA
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 NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Was shock to find out that there is a open Discover credit card in my credit report this account is fraudulent never gave any one permission to open this account please remove from my credit report Thank you

Company response to consumer: Closed with explanation