BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a debt validation letter and a cease and desist letter XX/XX/2021. 

The company replied XX/XX/2021 that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature. 

XX/XX/2021 I resubmitted my request with a debt validation letter and a cease and desist letter with the required info to find my account. I added my previous address along with my social security number and my signature. 

The company replied XX/XX/2021 with the same exact response as the previous letter. Stating ... that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Nelnet, Inc.
State: CA
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:
I have a Federal student loan that I received from my XXXX school that was eligible for forbearance. The company did not give me forbearance. I would like my interest back that they charged me during the period and a refund my payments made during that period. I would like the interest and payment refunded for XX/XX/XXXX - XX/XX/XXXX ( present day ). 

The servicer is Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TCF NATIONAL BANK
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX  baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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:
All inquired about the report are in violation!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!

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 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 my account was charged 9 separate charges of {$100.00} each paid to XXXX/bill. These charges were debited one right after the other until my account was emptied. I immediately called bank of America, they cancelled my card and issued me a new one. Then they told me I had to file a dispute with the fraud department, so they transferred my call. Too bad the representative wasn't aware of the fraud Dept hours and neither was I. I sat on hold for two hours! I finally figured out they were closed. The next morning I called back and every day for the next thirty days, only to be left on hold for at least an hour and then get hung up on ... .never speaking to anyone. So, after two weeks of this I decided to call XXXX. They put me through to the security team where I explained that I've never owned an XXXX  product. They looked up the transactions using my debit card number, thanked me for " the heads up '', then told me to have the bank request a charge back. I spent another month calling and waiting on hold before I was able to speak to a representative. The representative told me they would request the charge back, but that it could take 45 days. What?! I called XXXX again, they attempted to refund the charges but because it's a prepaid card they aren't able to. Well after 2 more weeks I received a letter from Bank of America that stated my claim was closed because they suspect this was fraud on my part! Based on what??? XXXX said they would refund my money but my bank has to initiate the request, so where does Bank of America get off refusing to initiate the charge back? Not to mention this is NOT my fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 around XXXX XXXX my brother and I drove up to an ATM to make a withdrawal. My brother put the card in and punched my PIN number in. Once my brother chose the type of bills to give the ATM screen froze and did not dispensed the cash, after a few seconds the ATM gave my card back but no cash or receipt of the transaction. My brother tried to put my ATM card back in, thinking the transaction did not process, but it spit it out. Still no receipt or cash I decided to get out of the drive thru and go to the ATM attached to the building, there I realized the money was out of the account. I asked my wife to call the bank to let them know what happened. She called right away and filed a claim. The bank stated the investigation could take 10 to 45 days. Once the investigation was completed the bank stated that there was no dispense error by the ATM and that we drove off leaving the money at the ATM and the person in the car behind us took it, so the bank is not responsible. My complaint is that the ATM machine must have dispensed the cash after we drove off since the camera shows the car behind us getting the cash about 18 seconds after we drove off. According to the bank the ATM camera doesnt have sound so theres no way to hear the beeping made by the cash door when it opens on camera, so how does the bank know when the cash was dispensed? I didnt received any documentation that proves the ATM was supposedly operating properly either.

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 2021-10-29
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I am writing in regards to having these items deleted from my report. Also, I did not authorize these I am a victim of identity theft, I need your help in correcting my credit report, Please delete the items i have inquiry requests mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage payment increased from {$730.00} to {$930.00}, due to an adjustment that was not specified by the mortgage servicers. This payment increase caused me to fall behind and trapped me into foreclosure ... there is a pending sale date set for XXXX. Since the loan is backed by FHA, I asked for mediation hearing to be completed per 24 CFR 203.604. Carrington Mortgage ( CM ) denied access to the mediation hearing. I also applied for mortgage assistance via FHA partial claim. Since I have paid FHA insurance for over 25 years, a partial claim should be definitely available for disbursement. Per FHA regulations 24 CFR Section 203.604, there is a requirement for all mortgagees to meet face to face with the borrower before serious delinquency leads to foreclosure. Both Carrington has refused to report loss mitigation information to FHA, so they are in violation of the False Claims Act ( FCA ) 31 USC 3729 -3733. Since Carrington has refused to address the critical issues within this  complaint, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Any other name variations or any other addresses on my account should be removed. Experian will not remove these address from my credit profile. I have only bee associated with one other address which is XXXX XXXX XXXX XXXX MD XXXX. Leaving these other random addresses on my account is leaving my credit open to identify theft.

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 2022-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I contacted my bank, USAA after receiving an e-mail and text message from them about possible fraud on my checking account. Upon contact, they told me that a new debit card was requested using my cell phone the prior evening. I told them I did not make such a request and my phone was never out of my possession. I understood there would be a three-day waiting period while USAA conducted an investigation. It's now over a week. 

I've called 3-4 more times between then and now and can not get the account unlocked to make payments I need to make, including mortgage, auto insurance, auto loan, and credit card. This is my money! These are all regular monthly payments that do not change, these do not even hint of fraud. People at USAA are polite, but are part of a bigger bureaucracy that makes no attempt to solve this problem with me and only tells me that they're filing requests to end this. At least give me a date when this will be over, but they don't even do that. 

USAA won't pay for my late fees, much less any of my bills. I'm one customer and I realise they can easily afford to lose me, but I truly thought this is a much better company than I've experienced.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In 2022, I signed up for a new credit card with Wells Fargo, N.A. to purchase appliances from a local store for a home renovation. The interest-free period on the Wells Fargo credit card applies during a ~18 month period provided the minimum payment is made timely. What is deceptive is that unlike other credit cards ( e.g., XXXX ) where purchases are made at a specific retailer on a new card during an interest-free period, my monthly Wells Fargo statement does NOT calculate my monthly payment amount so that I will have paid off the purchases during the interest free period/term. Instead, if I paid ONLY my monthly payment, I would only pay off ~ XXXX of my purchase balance by the time the interest-free period ends. This is not clearly explained, and is described on p. XXXX of the monthly statement in the midst of lots of other text ; this important language is NOT bolded or set apart from other terms and conditions on XXXX of the credit card statement. The onus is on consumers to do the math - that is, to calculate that by the time one 's interest-free period ends, one will NOT have paid off the full purchase amount if one pays only the monthly minimum payment. This is very different from how other credit card companies/banks handle these types of interest-free terms for new purchases and should be clearly and separately stated on XXXX of each consumer 's monthly bill. The language should be bolded and put in a box with a red border, and furthermore, Wells Fargo should be required to include a calculation of what a consumer must pay monthly to pay off all purchase amounts during the interest-free promotional period. This is a deceptive practice and it is intentional- the interest rate for unpaid balances increases from 0 % to 28.99 % ; it also is not consistent with the practices of other credit cards companies and must cost Americans millions of dollars each year. The way Wells Fargo presents monthly invoices for interest-free promotional purchases defeats the purpose of an interest-free promotional period for new purchases.

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