BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Stellar Recovery, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have a {$62.00} account from  XXXX  for a final bill currently in collections with Stellar Recovery. I was about 1 month late for paying the bill to  XXXX  and  XXXX  apparently put my account in collections. I was not aware of this, but began making smaller payments to  XXXX  for 2 months in a row once I was able to. The day I found out about my collection via  XXXX   XXXX , I contacted the collection agency. I wanted to do a pay for delete, as I was never notified of my account going into collections. The collection agency said they give a grace period after sending out notification of collections before reporting, therefore, they do n't do pay for delete. However, I am very frustrated with this, because I NEVER received ANY notification either from the original company, or the collection agency that I had an account in collections. I was continuing to pay  XXXX  and was never notified about the account going into collections. I would like to pay the debt, but want it deleted, as I was n't every notified, despite making payments. I have contacted the collection agency twice about this, but they have stated they will not delete the collection in exchange for my payment.     Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 the 1st transaction was posted to my Bank of America account for XXXX dollars from XXXX ( returned ). Then 2 more transactions were posted to my account for approximately 115000 more dollars and another transaction to XXXX XXXX ( returned ). None these transactions were initiated by me. After two months of investigation by the bank they tell me they will not be persuing this and I need to take matters into my own hands. And I was given a name of a company XXXX XXXX and a cell phone number. Please help out this is my parents account and my father is on XXXX XXXX after having a XXXX and I didn't do anything wrong except put my money in their bank. I was told i need to monitor my account every day. Since I didn't it is all my fault. I have paper statements that are sent out and as soon as the statement came for XXXX i opened it and reported it in a timely manner. According to the statement i have 30 days. Please help

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 2019-01-25
Company: EQUIFAX, INC.
State: CA
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:
XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had received XXXX XXXX in XXXX of XXXX that was given to me on Coinbase as part of a XXXX XXXX class. 

In XXXX XXXX XXXX the money was taken from my account. 

Original Wallet XXXX XXXX  XXXX I recently made an inquiry with coinbase and they deleted my history. 

It ended up in this address which seems to be related - XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I SENT THE COMPANY MIDLAND CREDIT MANAGEMENT A CERTIFIED LETTER ASKING FOR MAXIMUM ACCURACY IN ACCORDANCE WITH 15 US CODE 1681e. THE LETTER WAS RECEIVED BY MIDLAND CREDIT MANAGEMENT ON XX/XX/. IN RETURN I RECEIVED AN ORIGINAL COPY OF THE XXXX XXXX BILL AND A LETTER ON YELLOW PAPER STATING THAT MIDLAND CREDIT MANAGEMENT WOULD NOT SUE. I SENT TWO MORE LETTERS STATING AND QUOTING THE FCRA ASKING MIDLAND CREDIT MANAGEMENT TO STOP REPORTING ON MY CONSUMER REPORT. I CALLED SEVERAL TIMES. MY LATEST CALL WAS ON XX/XX/ AND I SPOKE WITH XXXX XXXX DIRECTOR OF DISPUTE SHE SUGGESTED SHE DISAGREED WITH THE FCRA. I SENT ANOTHER LETTER ON XXXX XXXX XXXX SITING 15 US CODE 6082 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION, 15 US CODE 1681a RULES OF CONSTRUCTION and 15 US CODE 1681b PERMISSIBLE PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: FISERV INC.
State: CT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello my name is XXXX XXXX on XX/XX/XXXX I made a transation with a seller whos my friend for XXXX dollar payment and XXXX dollar payment on XX/XX/XXXX for a commission through XXXX which is directly connected to XXXX, when I received the product I was not satisfied so I asked for a refund from the seller and got it back the same day, unfortunately my account was also limited the same day on XXXX because I got too much back at once but this does not affect the refund policy from XXXX, I paid directly from my debit card the refund said it would return to the inital form of payment which was though my debit card from my card company. It had said it would take 5 business days to come back and on XX/XX/XXXX it said it arrived at XXXX and XXXX respectively for both but never appeared in my account, each of the payments say they got refunded and even today XXXX called me personally to tell me it was been refunded and they are investigating it even further and have been very helpful and understanding with all the relative information because it just has not shown up in my account and they are very considerate about this situation when I filed my complaint to them and called, I was not worried at first because it said it can take up to 30 days for the card company to put it in which would have been on XX/XX/XXXX, XXXX at first told me that quote when viewing the case initially After reviewing your account, we found that transaction amount {$1000.00} USD is an authorization and not a refund to your credit card. An authorization is a temporary hold of money and not a completed charge. Please contact your credit card issuer to request they release authorization XXXX as we can not complete it which I understood so I Called my card company the money network which is headed by XXXX bank and asked on multiple occasions if they are holding that money from a authorization and if they can release it, but they have told me no we can not do much for you since the transaction details for certain XXXX transactions do not show up the the companys app they can not release it, both payments made are not showing up on my cards transaction app so they are not looking into it further and not helping me with that huge amount stuck in limbo because they cant authorize the refund I was already given by XXXX probably 3 plus weeks ago at this point. Or its something else that isnt allowing them to send the XXXX back but it very much seems that my card company money network and XXXX bank are to blame in not returning my funds as of this moment

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 2017-05-18
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jared Galleria of Jewelr y has been repeatly calling me. I receiv ed 5 calls in 15 minutes I spoke with someone 3 times and informed them that I had just spoke with someone.   This happened Thursday   XXXX   XXXX   between   XXXX   XXXX   -  XXXX   XXXX   cen tral standard time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: DISCOVER BANK
State: TX
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:
A couple years ago my wallet was stolen from my car. Ever since this happened, the person who took my personal information has been using it to their advantage. I contacted the police to let them know what happened with my wallet and have been disputing items off my credit reports ever since. The last of the items that were on my credit report is a credit card from Discover Bank. 
I have been disputing this account with XXXX and Discover Bank for months now. I have sent my FTC report to XXXX  and Discover Bank multiple times and the account still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON  XXXX   XXXX . Also I would n't have applied for a loan because service members and their families have special rules!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.

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 2017-05-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a student loan with Wells Fargo Education services. Instead of them calling me only - they have been reaching out to people who have NO association with my loan. In fact, the people they are calling - the only way they could have gotten their information is by   XXXX   people with similar last names. My aunt recieved a call asking for me to collect a debt. She is not a co - signer, not a reference she has absolutley no association with the loan what so ever. I have no idea how they got her phone number, the only thing I can think of is that they   XXXX   my last name and found people in the area to call and try and get a hold of. Extreme harrassment. When I confronted them about the situation they said " we must have dialed the wrong number ... ''. Even though her number again, is not on any account I have with Wells Fargo. They claimed she was put on the do not call list, but there was no reason for her to be called in the first place.

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 2018-03-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying for more than a decade this loan on time. I send extra money monthly so I can finish paying early. However, even though I have been sending extra money for almost 5 years the balance never goes down. I have about {$3500.00} left and they are saying that I still have 4 more years @ XXXX XXXX   monthly, yet I send them XXXX XXXX monthly. That's would be more than double of what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE NEGATIVE DEROGATORY ACCOUNT ON MY CREDIT FILE.

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 2019-08-15
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CCB has placed a HARD inquiry on my Credit Report. I do not have any accounts with this company nor have I authorized them to run my credit and lower my score. I found this inquiry today on XX/XX/2019 on my birthday that this company had inserted itself on my credit. They have no permissible purpose in placing this hard inquiry. I am represented by an attorney do not call me communicate in writing only with my attorney. Furthermore I am retired combat disabled USMC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint in XXXX regarding this same issue. 

In XXXX, right after my husband passed, I reviewed our finances and noticed that our loan amount was way off and did some research and figured out there was a fraudulent claim from Wells Fargo Mortgage. I have attachments to show proof. 

I'm attaching a document that is a request for release of deed of trust and release to the public trusty showing that we refinanced which we never refinanced. I did some research and the signatures are from XXXX XXXX and XXXX XXXX which you may know are part of the fraudulent cases out there. 

Another document that I am attaching today is a promissory note, according to Wells Fargo. There are two copies, so I'm not sure which one is the legal or if either are, for that matter. Please help me understand these " legal '' documents from Wells Fargo. 

I have two copies of disclosures that I am attaching. One was sent via mail from XXXX XXXX, a Wells Fargo agent, the other document was faxed to XXXX XXXX, when I went into the local office with questions. The two copies have different information about our so called refinance, which we didn't acquire. The copy from XXXX states that the amount of XXXX was given to my husband directly. The other copy that was faxed to XXXX XXXX states that XXXX was the amount of disbursements. Also, this document shows the amount of {$12000.00} was paid to Wells Fargo Accept. Where did amount come from and what is it for? 

Next, are checks that Wells Fargo claims are proof of our refinance. I don't understand these amounts and I need an explanation. We never refinanced. We borrowed {$15000.00} for a credit card. Since that day, somehow in XXXX, our home mortgage loan went from the amount of {$100000.00} to {$160000.00}. {$100000.00} plus the amount of {$15000.00} that we borrowed does not equal {$160000.00}. This is not correct and I need help. Wells Fargo claims that the same day we borrowed the {$15000.00}, we also refinanced. We did borrow, but we did not refinance. 

The last two attachments are from IRS showing our income, if it helps. 

I filed bankruptcy Chapter XXXX, and my house payment is about {$2000.00} monthly and I am trying to hold on to our home. Please help me. 

Thank you. I'm looking forward to hearing back from you soon.

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 2017-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud.     The problem is with my former  XXXX  card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as   XXXX   days late on my experian credit report. I was assured that the report would be corrected and the   XXXX    day late would be corrected and removed.     To date, this has not been done and  XXXX  is showing as   XXXX    days late, breaking their promise to me via the letter received.      FIX IT!

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