BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I got my loan statement from Wells Fargo. There were charges added to my balance. two amounts one for XXXX and another for XXXX. I have no idea what these charges to my line of credit are for. 

I called Wells Fargo. The first guy I talked to said they show the earliest date is XX/XX/XXXX. He would not tell me what the charges are for. He forwarded me to someone else. I requested a copy of the charges itemized sent to me via email. He refused. He told me he could send it to a fax number that is no secure but could not send it to me at my home email address. I told him to remove the changes until they could tell me what they are for. I spoke to a third person. They also refused to tell me what the charges are for except that they are for XXXX taxes. My house is not worth that in taxes. I told them that I am working with the county on disputed taxes. But that my taxes are paid and I wanted to know what they charged my line of credit for. Again they refused the information. The first I have seen these charges or notified of these charges was when I saw them on my statement added into my mortgage. I have no idea what they are for. I told them that if my taxes are disputed surely they would contact me. The second guy told me that they have notified me multiple times ( which they have not done ) I said when they email me what the XXXX the charges are for to include copies of the notifications. Again they have refused.I was delayed in sending this to you because I had to get an electronic copy of my statement to include with this complaint. I still have heard nothing from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bonneville Billing and Collections
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bonneville Collections is a scam company. They are located in XXXX XXXX, UT. See attachments. I do not owe this debt. Ive contacted this company several times and have explained that this debt is the result of stolen identity. XXXX XXXX XXXX takes a persons information over the phone to start a new utility service. The person isnt asked to come into their office to provide proof of identity or information to initiate utilities. This debt does not belong to me. Bonneville Collections and XXXX XXXX XXXX XXXX have destroyed my name and credibility. Theyve gone so far as to place this fraudulent debt on my credit report. Ive already had a pay a fraudulent debt with XXXX XXXX XXXX because someone initiated utilities with them too. XXXX XXXX does not have the customer come into their location to make sure the identity of the person requesting services matches state/government issued ID. These actions, by XXXX XXXX, XXXX XXXX XXXX and Bonneville Collections have caused XXXX, XXXX and tremendous XXXX  resulting in XXXX. I have contacted XXXX XXXX of XXXX. I will be looking for other agencies to contact about what has been allowed to happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This bank, PNC bank, took over my XXXX Bank online account over a year ago. They sent mail from PNC bank, with whom I had no existing banking relationship, so I was never made aware that they took over my account until I attempted to log into it and was rerouted to PNC bank online. I was never able to log in there, and I attempted to access the account customer service unsuccessfully because they refused to identify themselves or the contracting companies they worked for before I would give them PII ( Personal Identifying Information ). As such, all my access to my account and funds has been cut off. What's more, they request I give them my phone number verbally so they can verify it is me by sending me a verification code. When I asked them how that was secure since they are asking me for the number to send a verification code to, they got angry and told me this " being difficult '' is why I have not received service in the past and then they hung up. 

They insist that I go into a branch during my working hours, to deal with this. I have never banked with them and they will not have a record of my at any branch. I am unaware of any local branches either. 

They have been stealing XXXX dollars per month from my account for about 2 years, and I have no access to it to withdraw or transfer it to an account with a banking organization that I choose to do business with. They refuse to grant me access to said account either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with XXXX and they refuse to remove this from my credit report, The company failed to provide debt validation for this 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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Remove from credit report. 
Report no more than {$50.00} balance per federal trade commissions guidelines I was a customer without access to a physical card while company billed me and reported to credit reports. 
Would not close my accounting XX/XX/2021. 
Forencically fixed thier computers to erase my attempts requests on live calls Documentation vlose my account. 
Never would issue a card but collected on dsuch card. 
Paid XXXX credit limit was never applied. 
Never issued my replacement card. Other one reported lost Teo years. 
They broke laws.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: MO
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:
After sending several complaints to Experian they have done nothing more but resend the same information without fully investigating this matter further. I have been saving every letter and certified receipts as well. They have removed an address that is not tied to me but refuse to remove the account that they have failed to provide proof of as I have NO CONTRACT with XXXX XXXXXXXX XXXX Tracking number XXXX. Attached is a copy of the letter I have send several times and they refuse to comply. I also send this same letter via email upload and I requested the entire account XXXX be removed as well.

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 2023-09-21
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom this may concern, This letter is to notify youabout a problem I am having with the company US AUTO Sales and Westlake management. I purchased a vehicle from US Auto Sales at the XXXX location and it was a few years I was with them. When they went bankrupt it cleared the debt and now Westlake management is trying to collect. I asked them to provide in writing who the original creditor is and request documentation that verifies I owe the debt, such as a copy of the original contract. And being based in California Im not even sure if its legal to collect debt in this state. This was many months ago when I spoke with someone who said they cant provide the documentation and put a cease and desist on the account. Which is still on it today. I know this because after filling a complaint to the XXXX  on XX/XX/2023 they repossessed my car in the middle of the night. I call them today XX/XX/2023 and they stated yes they have it even though they know they havent verified any information, and theyre the ones that told me about the account being under a cease and desist. This is providing a financial burden now. Im missing work and have children to provide for. I need a rational and reasonable solution to resolve this matter quickly.

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 2018-06-03
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX  who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

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 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 explanation
Consumer complaint received 2023-09-21
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX I received various notifications regarding a hard inquiry on my credit report. I contacted the company and they confirmed that an account had been opened using my information. Upon further research and comments from the company, an unrequested live check was was sent to my address in an effort to induce me to accept a high interest loan. This loan was opened and reported to the credit bureau without any verification of the identity that the person that negotiated the instrument. In fact, they company was unable to even provide any information regarding where the instrument was negotiated but had already used my social security number to set up the account.. When I requested a copy of the check because it is fraudulent, I was told that I must submit a police report. If I can not get this information without a fraud report then they can not say that this is my account that entitles me to all the information that I requested. Because of their carelessness, I have had to file police reports, fraud alerts, and IRS PINS in order to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently discovered a number of unauthorized charges made using my Chime account. I immediately notified Chime and they canceled my debit card to prevent further fraudulent charges from being made and I also filed a dispute in relation to the charges. There was a total of 8 charges, 5 of which I filed in one dispute and the other 3 I filed individually due to the time that it took for them to switch from lending to posted. The main dispute including the 5 charges was twice denied despite providing Chime with a police report and details of how I believe these charges were ultimately made. Of the other 3 disputes that I filed, 1 is still under investigation and the other 2 have been approved. The circumstances surrounding the charges on all 4 disputes were identical yet the results of each investigation varied. Given the identical circumstances related to each dispute, its hard to understand how such different outcomes were come to. As it stands, the dispute involving 5 of the unauthorized charges totaling {$380.00} remains denied and the other dispute still not approved is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Netspend Corporation
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened an account with Netspend All-access around XX/XX/2023. I recieved a direct deposit on my account a few months later for my income tax that came from the IRS. I immediately contacted Netspend shortly thereafter when i attempted to gain access to my account to find out that it was locked for no apparent reason. I spoken with customer service and they advised me to send documents to clear the concern on my account. I sent in the documents requested ( ID, SS Card, and utility bill ) and within 30 minutes later i recieved an email stating that my account with Netspend has been closed. I called back netspend and asked for my balance of the remaining funds on my account to be sent to me. After waiting 5 months later Netspend has failed to release the funds to me and are refusing to do so. My account number with netspend is : 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 explanation
Consumer complaint received 2023-09-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
This is a request for loan modifications that I am requesting on XX/XX/XXXX. Prior request made to SLS directly on XX/XX/XXXX neither has been approved or denied. In the CFPB last response and my phone conversion SLS has no records for loan modification. The records for XX/XX/XXXX emailed followed with certified mail delivery confirmation SLS has no records. 
I received 3 emails confirming my request for loan modification was received and XX/XX/XXXX letter of correction or clarification was also received. Delivery confirmation attached indicates SLS received my request. 

I have been asking to speak to supervisor since XXXX haven ever spoke to any supervisor except once who stated he will call me back after he took my information in early XXXX. I have not received call after that.

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 2023-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a notification that my account had been suspended, without any warning. I called Chase to find out the reasoning and what was going on. They refused to give any details, aside from telling me that due to the contract, Chase had the right to close at anytime without any warning or reasoning provided to me. I called multiple times and they kept giving me the same answer. All they kept say is " We understand ''. Not even caring when i said all my funds for bills and rent were through the account. I had bills to pay in the next few days. And without the account, i had no way of paying. And they said we will send a check with the money left over, which would not help me pay the bills on time. Very unhelpful, and unprofessional. I have not done anything to deserve the closure, and they wouldnt even tell me what caused the suspension in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: LEXISNEXIS
State: WI
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:
1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: LA
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:
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 XXXXXXXX, has violated my rights XXXX 

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.

Company response to consumer: Closed with explanation