BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
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:
Hello. 
XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my card to do so. 
At the same month I returned the items because I didnt like them and I wanted to use the money to treat mom and dad for vecation. 

Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. 

Couple of days passed and still I havnt received my money. Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see whats going on. 

I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. Its been 6 months and I got a letter saying my dispute is denied. 

I been a customer for over 20 years. Never ever had a bad experience like this. 
I want my money back and I dont know what to do. Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact Apple Store Please help me out

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 2023-09-29
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job on XX/XX/XXXX I took out the protection in the event that I would not be able to make payments. I contacted the office and told them this I was told to call back in 30 days I did they told me that I have to be collecting unemployment for it to work. I did file for unemployment it got denied I am in the process of an appeal I have over XXXX applications in. They have been calling me over and over it was to the point that I had to block them. I received a phone call this morning at XXXX it seems like a personal phone number. I have called in the office several times to let them know that I dont have an income and I havent found a job. XXXX told me that they can call up to 5 times a day. I called them on XX/XX/XXXX they called me two times on XX/XX/XXXX again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 times on XX/XX/XXXX XX/XX/XXXX I spoke to them called back on XX/XX/XXXX twice spoke to them called 3 times on XXXX thats when I blocked the number XXXXm not happy about not able to make my payments and being with our a job I am behind on everything this is the first time that I have been without a job in over XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MD
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are required to do what I am asking and these transactions from being reported to my consumer report within 4 days from the receipt of this notice. I look forward to your 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 2023-05-01
Company: National Auto Lenders, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Bank of America saying that they received a credit card request that I had not filed.

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 2023-06-09
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have auto debt from XXXX XXXX XXXX in AZ. I was not able to pay for the car note so they came to repossess the vehicle. After they repoed the car a company named BHK Financial in AZ started contacting me about the debt and repaying the amount. At first, I started paying what I could which was about {$100.00}. After the pandemic hit I was not working ( BHK was notified ) and I couldn't pay for a few months. 5-6 months went by and they contacted me asking if I was able to find employment. I let them know that I did find a job and that I was willing to continue payments. However, after a month or so, the representative called and told me that they needed more money to close the file and that their " client '' ( XXXX XXXX XXXX ) will not accept my small payments. He told me I needed to start paying {$1000.00} a month to close my file. After I told him I was not able to pay that much he let me know that their client will take legal action to get all the money from me ( and the lawyer fees ). After that conversation, I decided to stop sending payments and find help ( found CFPB ). Since that time I have contacted BHK to make another payment on that account. They let me know that their client may not accept my payment as they are looking to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2017-05-08
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech  has been conducting unfair collection practices on a loan that has never been in default. Until   XX/XX/XXXX   Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment  sent ( whic h was {$500.00} every  14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from   XX/XX/XXXX  to  XX/XX/XXXX     when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and   XXXX   XXXX   they reallocated the funds from the start of the loan. On  XX/XX/XXXX , I  spoke with a director and a representative from loan processing and told my loan was prepaid until   XX/XX/XXXX   However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a  Ditech  representative leaving notice on my door on   XX/XX/XXXX     and to receive to collection notices on the  XX/XX/XXXX   and  XX/XX/XXXX - I  urge you to refer to recent compliant filed on  XX/XX/XXXX   -  XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in    XX/XX/XXXX     Ditech sent a privacy letter stating that my social security number could be shared  with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to   XXXX   XXXX   the owner of the loan and no one else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: 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 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 2017-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In   XXXX   XXXX   XXXX    , I contacted ChexSystems via email to inform them that  XXXX   XXXX  had incorrectly reported an address that I have never lived at or used.     On   XXXX   XXXX   XXXX    , I received a written letter in response stating that since the address was submitted by a financial institution it was being retained in my file.     Since the  Federal Fa ir Credit Reporting Act requires them to correct or delete inaccurate, incomplete or unverifiable information within 30 days, ChexSystems is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was working a loan modification within Wells Fargo. I was told not to do anything until the process was complete. In listening to them I'm now 2 months behind due to poor communication. They refuse to help with a payment plan. They forced me into Loan Review and never came up with a solution. Then tried to force a short sale and refuse to help me get caught up.

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 2022-03-26
Company: Americas Car-Mart, Inc.
State: AL
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:
My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 I was approved for a XXXX XXXX card through Capital One. I received my new card on about the XX/XX/2018 and I tried to activate it, I contacted Capital One and they told me to attempt to make a purchase, and if it wasnt working then to call their customer service line. On the XX/XX/XXXX I called their customer service line and I was informed by an automated system that a new card was currently being sent through the mail to my house. Confused, I messaged Capital One again and they told me to call their customer service line. Frustrated, I decided to just wait until my new card got to my house. On XX/XX/2018 I called their customer service line to ask why my card hasnt been delivered yet and told them about my situation. The man was confused why they said they were sending me a card, and was somehow able to activate my card. After that phone call I made a purchase of about {$60.00}. Sometime in the beginning of the month of XXXX, I tried to link my XXXX XXXX card to Capital One so I can make a payment, it wasnt working. I called them once again, and the man explained to me how to link it and what website to go to. I tried a great number of times over the next couple weeks hoping it was just the website crashing. I thought maybe it was the device I was using so I tried on my XXXX, laptop, and even a computer. Nothing was working so I called Capital One on about XX/XX/2018. They said they needed to send me a new card but they couldnt until I made a payment. I didnt have the time to get my bank account information right then and there, and I was frustrated because they wanted me to pay a late fee so I told the lady Id call again. I waited until I had more time to figure out the details, which was on XX/XX/2018 so I called and I paid everything off except the late fee. They told me they couldnt waive my fee because they already had the month earlier for the same exact reason, the supervisor understood and was empathetic but she explained that she didnt have the authorization to waive fee. I have never had a late payment on my credit report. This is the only problem Ive ever had with a missed payment, and it was because there was a whole lot of miscommunication and confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB, I would like to file a formal complaint against Chase for my XXXX Credit Card. I recently gave a credit balance of over $ XXXX, and have repeatedly requested Chase to confirm and transfer my credit balance to my Chase checking account. They keep on providing the same response to wait for up to 10 days. Which is in violation of CFPB 1026.11 for requests to be completed within 7 business days. I contacted them many times via calling their call center on XX/XX/21 officially requesting the refund of the credit balance and also via email many times. 

They are illegally keeping my money for longer that they are entitled and in direct violation of your ordinance.

Company response to consumer: Closed with explanation