BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a XXXX XXXX through credit acceptance with XXXX miles back in 2016. The car sales price was around {$10000.00} of the car lot at a payment of approximately {$500.00} a month. What I didnt understand was how high the interest rate was on the loan its somewhere about around 25 %. I payed on the vehicle for two years straight no late payments and fell on hard times and I did not understand the terms that were given when the loan was originated and the vehicle was repossessed. They then auctioned off the vehicle for {$2000.00} and got an order to garnish my wages for {$12000.00}. That more then what the car was worth when I bought it. The vehicle also needed a new transmission and which was a {$3000.00} repair and made it it impossible to drive. I then had to pay for an attorney to stop the garnishment and had to pay {$200.00} a month. I cant afford {$200.00} a month because I still need transportation.

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 2023-04-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an ongoing dispute with Wells Fargo for fraud. In XX/XX/XXXX my card ending in XXXX was used to make fraudulent purchases at XXXX XXXX and XXXX XXXX XXXX. Wells Fargo continues to state the charges are valid and they are not. Yes I have had fraud on my Wells Fargo credit card in the past. The only fraud that was investigated thoroughly was made at XXXX and XXXX in XXXX. The police did a thorough investigation of this charge which is attached. It indicates surveillance from the store showed a XXXXXXXX XXXX using my card at the register. Then again in XX/XX/XXXX I had 2 fraud charges to XXXX  by XXXX XXXX for XXXX and XXXX. I have alerts set up on my account for any charge greater than {$100.00} and received an alter for these transactions. I contacted Wells Fargo and I believe they declined the charges but am not certain. 

Wells Fargo is in essence attempting to accuse me of making charges and reporting them as fraud and filing false police reports which is against the law. They harass me when I call and say things like 'you have too many fraud charges '. 

All I can say to that is yes I have had fraud on my Wells Fargo account. I've asked them to send me video survellaince from XXXX and XXXX XXXX  to prove that it was me that made the charges. They claim they can not do that. Most police departments don't seem to take fraud seriously. I was fortunate that the XXXX XXXX  did a thorough investigation of the XXXX XXXX  XXXX fraud charges. 

Wells Fargo is harassing me claiming I made the XXXX and XXXX XXXX charges. I nor anyone in my household or anyone known to me made these charges.I. can't even drive so I could not have made the charges and even went to the extent of providing HIPPA protected medical records to show the vision issues Please get them to stop.

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up for Bank of America credit card and was approved and used a balance transfer to finalize my other Credit Card at XXXX XXXX. 

I got my Bank of America card and the balance transfer did not occur. I did not hear back anything about this for 2 weeks so I assumed it wasn't going to work. 

I went ahead and paid in full the XXXX dollar balance on my XXXX XXXX and closed the account. ( to avoid interest ) Today, bank of america has the balance transfer pending as sent. I have called both banks and they told me to contact the other bank. This is very concerning since they do not know how to professionally handle this. I need a competent representative to help me resolve this. Escalating to the CFPB seems to be the only way they respond profesionally.

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 2023-07-27
Company: Remitly, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To Whom It XXXX Concern : On XX/XX/2023, I remitted USD {$500.00} from my account held with XXXX XXXX  XXXX to be deposited at XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX transfer on the Remitly Application, an American online remittance service. The transactions reference number is : XXXX. However, a few days later I noticed the funds were never received to my account. I contacted XXXX XXXX XXXX  XXXX XXXX XXXX and they stated they never received the funds. They provided me a Bank XXXX, which shows the funds were never deposited. I then contacted Remitly to inform them of the matter and they advised me that they are investigating the transaction, but will not provide me the funds back. I sent the Bank XXXX as well as the transfer documents as proof of the funds not sent as well. I contacted Remitly multiple times asking for an update and they are unable to provide me XXXX as the calls were routing to a different country ( i.e. XXXX ) and not a call center within the United States. I even asked to speak to a supervisor regarding this urgent matter and they either hang up the phone or inform me I have to wait for XXXX hours to speak to one. Please assist and advise on this transaction matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: National Credit Adjusters, LLC
State: FL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Early Warning Services, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been banking with XXXX XXXX XXXX bank since my Dad opened my savings account in the late XXXX in XXXX XXXX, WI under XXXX. ( I didnt know much about banking at the time, but was happy the Bankers gave my brother and I a tasty sucker with the little white loop for a handle! ) In fact, my next-door neighbor worked there, and that is where my money from my first job was deposited. I understand how your bank and business has had to change with the times. I also have had to change with the times to a new world of the way people bank, buy, and sell things. Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my XXXX XXXX  account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX  account are either disconnected or unresponsive now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received this paper on XX/XX/XXXX, i assume the paper was written on XX/XX/XXXX since that is the date the paper has on it. the amount of debt theyre asking for is {$220.00}, it says as of XX/XX/XXXX, you owed : {$150.00} then additional debits applied to your account : {$65.00} which totals {$220.00}, i have no idea what this debt is for as i have never sent or received money on paypal, i never use online payments so this has to be a mistake, i have no idea what this is about and i want them to stop bothering me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a custodial account for my daughter with Huntington bank. I recently received a statement in the mail saying that they escheated all {$570.00} out of her account for lack of activity. 

I called the bank telling them that they could not escheate the money out of her account because they had not provided prior notice and they returned the money to the account. 

It is absolutely unacceptable for a bank to steal the money from a childs account without going to proper notification procedures to ensure that that money should not be escheated. 

I believe their policies around their escheatment practices need to be reviewed by the FDIC to ensure proper handling as this appears to be, if not deceptive, then certainly an abusive act/practice and under UDAAP laws they should be assessed To ensure they are not causing harm to other consumers. I will be filing the same complaint with the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
All accounts with XXXX XXXX have been charged off and should be removed.

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 2021-10-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on 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 2021-10-19
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
US Bank is still calling me several times a day. I have filed bankruptcy and my lawyer said I do not have to talk to them at all. They call and send letters

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 2023-02-24
Company: JPMORGAN CHASE & CO.
State: TN
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:
Dispute # XXXX I would like to reopen the initial dispute that was charged on my Chase Card XX/XX/XXXX, and was being investigated during in XXXX and XX/XX/XXXX. There was a charge on my card from XXXX of XXXX  XXXX for a product that was not received. As the dispute was being reviewed by the company on XX/XX/XXXX, I had a phone conversation with the merchant. We came to an agreement that in place of upgraded I would instead be provided with a premier dealer grade service package that would honor my cars complete services for the next XXXX miles. This package was to be a dealer level service, and would be honored at ALL XXXX locations. The receipt of this transaction was provided and acknowledged through email. After obtaining this service had called XXXX of XXXX. I have previously done business with them numerous times in the past, and they are a preferred dealership where I take my car. I spoke to XXXX XXXX, the service manager, and I was going to bring my car in for service during the holidays. XXXX informed me that they would not honor the service package that XXXX of XXXX XXXX provided me. After this conversation I called and emailed the manager of the XXXXXXXX  XXXX dealership who informed me he would reach out to them and resolve any issues. He also proceeded to tell me I could bring my car to XXXX of XXXX XXXX in the meantime for service. I proceeded to schedule my appointment, however, the soonest I could get my car in was XXXX of XXXX. This was 2 months later. I had no other conversation at this point. It was my understanding that the issue was then resolved. On the day of my appointment time. I promptly went to XXXX XXXX XXXX XXXX at my scheduled time. Upon arrival no one had any indication I was to be there. When they were taking my information I handed the service advisor my " XXXX XXXX '' card. At this point they had no idea of the service plan I was given. They instructed me at this time to speak with a service manager. After a brief conversation he also informed me he had no history of the purchased service plan, and would not work on my car. It has been months, and I have received 0 products or service from XXXX of XXXX XXXX, but yet they have received my money. I have never had a service / purchase history from this dealership. I strongly feel this is a case of fraud. I have uploaded documents to support my case and have them referenced to the case number above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, i sent a dispute letter on XX/XX/2023. My tracking number is XXXX. This letter was to remove some inaccurate accounts that do not, an has never belonged to me, enclosed was a letter of verification, an FTC report, along with my correct identification. When they came back verified, they never gave me reasons they used to do so. 
I am exercising my rights under code 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: VA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Aidvantage twice to inquire about a refund on my student loan payments. My first call was on Friday XX/XX/XXXX. The rep I spoke with was very impatient with me, continually cut me off, and rushed me off of the call. Each time I asked a question, she literally huffed like it was an inconvenience to even be assisting me. I even told her Im sorry that Im inconveniencing you by having questions, I know that youre probably swamped but I really dont understand how all of this works. 
I hung up feeling very flustered and confused about what to expect going forward. 
After reading online that I ought to give it a couple of weeks to follow up, I called Aidvantage again on Tuesday XX/XX/XXXX. This time the rep said All I can tell you is that your refund is being processed. Were so backed up that theres no way for me to update you other than that at this time. While this man was much more pleasant that the first woman I spoke with- he had ZERO information for me whatsoever. He went on to ask me how the liquor laws work down here in South Carolina. He wanted to know if its easy to buy booze at the local stores and/or on the weekends, and then went on and on about his struggles with it up in Pennsylvania where he lives.????!!!?! 
I, again, hung up feeling like I got nowhere with the reps at Aidvantage. I can only imagine the sheer volume of calls they must receive, but there has got to be a better way to service those of us that are due money back. 
For many people these days, the struggle is real. Im a XXXX mother of XXXX. The rising costs have us barely getting by. I would be so grateful if someone could please look into my refund request and help me with obtaining my refund as soon as possible. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
earlier this week I heard our California Governor say on live tv that all mortgage companies will defer your monthly mortgage payments up to 3 months without any penalty. he said that the way it would work is we can defer 3 monthly payments and our mortgage company can just add those 3 payments to the back side of our loan without any extra cost or penalty to us. 
So I called our mortgage company to ask them if we can defer our payments like XXXX XXXX said, because myself and my wife are both temperarly out of work for a few months because of this corona virus. its not our fault that we can not work right now because of this virus. The governor ordered a state wide lockdown. so we are not allowed to leave our house unless we need to get food or essential groceries. We both had to file for unemployeement insurance to help us get by until its safe for us to go back to work. And to my surprise the mortgage company said they will not cooperate with what XXXX XXXX said about defering our mortgage. This is why I want to report this company. This demonstrates bad faith and a bad business ethic on there part. The name of this company is Lakeview Loan Services LLC I will gladly give you my personal account info if you need it later. I can be contacted by phone or email just about anytime.

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