BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
XXXX XXXX, EXPERIAN, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, 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 explanation
Consumer complaint received 2023-05-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any corrospondence to challenge this debt. Ive been threatened with legal action and now the debt is affecting my ability to get a decent job. I would like to settled for negotiation and a pay for delete. I never gave permission for the debt to be sold off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between XX/XX/XXXX and XXXX of XXXX I had XXXX accounts open with my primary bank at Wells Fargo. XXXX checking and a savings account. 

On several dozen occasions I had reached out to Wells Fargo because transactions at different times wouldnt go through and when Id check my account theyd be in the negative. 

Each time I would call, I was told that even though I had the funds to cover it, previously added overdraft fees were pending to then take the money in my account, leaving me without access to my funds. 

Between XX/XX/XXXX and XXXX of XXXX when I ultimately had my account closed because I refused to pay anymore fees, I had paid and was charged about {$430.00} in fees alone, despite making deposits to cover those transactions. 

Ive never gotten a response from Wells Fargo, I was always taken through several different associates giving me different explanations as to why. I combed through every transaction adding and subtracting and came up with {$430.00} and all they could say is that the overdraft fees are not waived even after a deposit is made in a certain timeframe.

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 2021-04-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: PNC Bank N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2019 i closed my account with my bank. They actually reached out to me notifying me they were closing it. No rhyme or reason. Closed account snd then sent balance via check but did not receive. Tried resolving and repeated attempts to send and recover payment. Now the bank has been bought twice and i still have not been able to get my money. Ive tried working with the other banks but it has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has been servicing my loans for the past several years. Due to the unfair capitalization of interest that had already been credited from processed payments, I refinanced my loan through another servicer. The loan balance was paid in full on XX/XX/XXXX. I received the usual email from Navient on XX/XX/XXXX which indicated that another payment would be taken from my account on XX/XX/XXXX. I signed into my account to see what they were showing due, and the balance was {$0.00}. XX/XX/XXXX a draft came through my bank account from Navient, even though the principal balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by crytocurrency XXXX - XXXX since XX/XX/2023. I made four different wire transfers to XXXX XXXX  via XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, GA. They use two Beneficiary banks : JPMorgan Chase, NA and XXXX XXXX. The total amount was US {$250000.00}. Having realized the scamming, I have immediately requested for recovery via XXXX. After several requests, JPMorgan Chase responsed in the message on XX/XX/2023 that " We are unable to comply with your recall request ''. XXXX responded that the accounts of acceptors were closed and did not provide details of scammer 's identity. 
I have already reported this fraud/scamming with FBI via www.ic2.gov. In addition, I have contacted SEC Atlanta, US Secret Service, FTC, and local Police. All these reports are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SANTANDER HOLDINGS USA, INC.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
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:
Chrysler Capital refused to provide title once vehicle was paid in full. They said South Dakota has electronic titles only but did not provide instructions on how to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Spoke to guy at capital one this morning, they are trying to collect a debt that was discharged in bankruptcy, also put a dormant achount active status on my credit report when I reported my XXXX balance paid was reported balance increase yesterday on credit report, now they are doing all this because of bankruptcy and being rude to me, got nowhere, they are trying to collect that debt from me discharged in 2017!!! I want them to stop messing with my credit report innaccurate info!!! I did contact attorney in this as well!!! Now they are harassing me for this debt discharged in 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: WELLS FARGO & COMPANY
State: CA
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:
XX/XX/2021 contacted vendor no response. 

XX/XX/2021 item was supposedly shipped but never received item XX/XX/2021 Contacted bank to dispute I have emailed and messaged vendor no response on how to get a refund or get another item on the package that I never received. 

XX/XX/2021 Wells Fargo closed claim and told me to contact vendor but I have tried to contacted vendor but no response.

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 2021-12-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of the XX/XX/XXXX statement period, the outstanding balance on this mortgage was {$190000.00} For the XX/XX/XXXX statement period, I made the following payments : {$10000.00} additional principal payment on XX/XX/XXXX An additional {$10000.00} additional principal payment on XX/XX/XXXX Regular Monthly payment of {$1900.00} on XX/XX/XXXX A total of {$800.00} in interest was deducted from these payments. This exceeds the {$420.00} in interest that was due for XX/XX/XXXX. 

This equates to an interest rate of 4.99 %, which is higher than the agreed upon fixed rate of 2.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services , LLC is my mortgage servicer. I have not missed any payments nor been behind on my mortgage payments. The reason I am filing this complaint is that Carrington representatives keep calling me repeatedly telling me that they have some products I may be interested in to refinance the mortgage.

My telephone number is on both the state and federal do not call lists. I have also submitted written notices to the credit bureaus to " Opt Out '' of solicitations for credit. In addition, I have told the representatives at Carrington NOT to call me with unsolicited offers to refinance, which is ludicrous anyway because Carrington Mortgage Services , LLC is my mortgage servicer, NOT my lender. I believe I have also sent Carrington Mortgage Services written notice to put me on their internal DO NOT CALL lists.

I also record all my inbound and outbound telephone calls, and I have retained all my conversations with Carrington Mortgage Services , LLC regarding this issue. 

Today I received an unsolicited call from the lender, and the representative identified himself as " XXXX '', and wanted to verify me so that he could give me some important information about my loan. I told him if it's about an offer to refinance I am NOT interested, as I have told them numerous times not to call me with offers to refinance my mortgage. XXXX assured me it was NOT about refinancing the mortgage. He said if I won't give him the information to verify over the phone so that he could talk about it, I could call customer service back if I felt more comfortable calling them. I got hostile with him because I knew he was lying to me. 

I called the company 's number back, and SURE ENOUGH, the rep was giddy with excitement to let me know that they had some products they thought I would be interested in. I was angry that the company was AGAIN, wasting my time with offers I told them I was NOT interested in. I told them that I am tired of them ignoring my requests and I intend to file a complaint with the CFPB as well as the XXXX XXXX XXXX XXXX XXXX XXXX here in Texas where my property is located. I also told them they shouldn't be calling me anyway, as they are my loan servicer, NOT my mortage lender. I asked to be transferred to a supervisor, but was told that one is not available. I was then left on hold for an interminable amount of time, and then directed to a voice mail. That is when I came here to file this complaint because I am FED UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXXXXXX 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

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 2021-12-19
Company: EQUIFAX, INC.
State: SC
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 have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Equifax has not removed any of these items or provided proof that I initiated that inquiries or that a investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : CXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, On or about the XXXX of XXXX, 2021, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXX, 2021, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my XXXX plans and caused me to loose my car. 
I would appreciate any advise and help on this matter.

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 2020-02-10
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Brought XXXX XXXX from XXXX XX/XX/XXXX, Bridgecrest finance the car for XXXX, for 72 months the car was total on XX/XX/XXXX and I still owe XXXX. I wasnt at fault didnt have Gap they claimed. The third party ins took blame was suppose to paid them XXXX they also took my vehicle and left me carless. My problem is I paid them XXXX a month and only XXXX is applied to principal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: HI
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 my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2023

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 2021-04-01
Company: CAINE & WEINER COMPANY, 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:
Caine & Weiner continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Caine & Weiner. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. I submitted two letters to this company ( see attached ). In my first dispute letter to them in I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the terms and conditions that may have changed over the course of the alleged debt as well as copies of documents that reflect my signature, and for them to also send me copies of any correspondence they should have sent me. They DID NOT. It is obvious that Caine & Weiner has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation