BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-06
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having trouble communicating with my mortgage company. I was promised a response to my request for assistance yesterday XX/XX/2020. However, I am taken to a voicemail every time I call. My mortgage company 's attorneys have suggested that this is their game, that they are not serious about the process of loan modification. I just want them to tell me that this is true so we can explore other non-retention options like a short sale or a deed in lieu. Please review the emails I am forwarding to you. They contain valuable information regarding the present case. Selene Finance has a complete package and they are due for a decision regarding our loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains 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 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a personal credit card with Capital One. 
These past few months, I've been paying the " New Balance '' due, in full, in two installments within a days or weeks of each other - all before the " Payment Due Date ''. 
I pay it like this for personal reasons- based on my personal budgeting system. 
It seems that after my 1st payment, Capital One starts obligating me interest charged on the rest of the money due - even though I pay the full balance before the due date! 
This does not seem to be a fair business practice. 
I called Capital One to find out why I was charged interest, and the representative explained to me this policy that if the cardholder pays the balance in more than one payment, for 2 months, the cardholder will be accountable for the interest accrued on the remaining balance. 
The representative fully understood how unfair this was to me. 
I asked for a refund of the interest charged the past XXXX statements, and my request was denied. 
I looked at the information provided on the statement, and I don't see why my payments are not considered " pay..new balance in full by the due date! 

The following is a copy of some of the information provided on the statement regarding this : How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the transaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. 
How is the Interest Charge Determined? Interest Charges accrue from the date of the transaction, date the transaction is processed or the first day of the Billing Cycle. Interest accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to your account at the end of the Billing cycle and appears on your next statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest Charges are added to the corresponding segment of your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: NY
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 correspondence from Wells Fargo on XX/XX/XXXX with the subject of a rate check inquiry for a Wells Fargo personal loan. I was provided a rate check ID number. I have never had nor pursued any business with Wells Fargo. There was no telephone number on letter to coresponde. I XXXX telephone number for business based on address I'm XXXX, AZ. Spoke to multiple individuals and advised that I was somehow a victim of identity theft. I was told it would be escalated to whomever. On XX/XX/XXXX, I received a letter from Wells Fargo, now with a XXXX OR address referencing an account number ending in XXXX. I called the number provided XXXX and spoke to a male rep who advised he needed my social security number to assist me. I asked to speak to manager. I was told one was not available but he could transfer me to the executive office. There a foreign sounding man by the name of XXXX answered but refused to give his last name. I asked for mailing address to coorespond and was refused stating they're are located in the XXXX XXXX. I terminal call.

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 2017-07-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Federal student loans for XXXX school serviced by Navient. I have for many years had automatic withdrawal for student loan and never missed payment. I have 2 remaining federal loans with Navient. the first for {$12000.00} and another for {$8900.00} for a total of {$21000.00}, both a fixed rate at 3.625 %. I have for years sent the same payment every month for {$550.00} for both loans. Per their information with continued payments of {$550.00} every month until XX/XX/XXXX I will have paid off the loan. Based on the information they provided me, it will cost me over {$100000.00} over the next 16 years sending in {$550.00} every month to pay off this {$21000.00} balance. I called to clarify this and over the past 2 months failed to get an answer. I was told that once the loan reaches a XXXX balance, no more money will be withdrawn and if I continue to send in current payment with automatic payment and never miss a payment, then my interest rate will stay the same and they claim I should have loan paid off by XX/XX/XXXX. Per my calculations, {$21000.00} balance at fixed rate of 3.625 % with current payments of {$550.00} every month, this loan should be paid off in 40-41 months, which should be 3.4 years from now, which would be XX/XX/XXXX, NOT XX/XX/XXXX. I have been trying to clarify what is going on with my loan and loan payout. Multiple messages via email have been sent with clarification. I sent an email that I was going to lodge a complaint with CFPB and my State Attorney General Office and I promptly received a message from XXXX XXXX at XXXX extension XXXX with Navient. I returned her call and left messages several times but have yet to hear from anyone to clarify my loan payoff question. I hope this office can persuade Navient to clarify a very simple question about the date this loan will be paid off. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CITIBANK, N.A.
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:
hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2021-09-17
Company: Oliver Adjustment Co.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago, I received a bill from XXXX XXXX XXXX  XXXX XXXX ( XXXX  ) for XXXX XXXX allegedly performed on XX/XX/21. I wasnt in XXXX XXXX on XX/XX/21. I found information online but no website. I eventually found out that XXXX performed XXXX for a local hospital. XXXX phone had been disconnected. I called the phone number on the bill. They refused to supply information unless I gave my SSN or DOB. I refused. I did inform them that they had the wrong XXXX XXXX XXXX. No further progress could be made. 
Several months later, I received another bill. I ignored it. Today, XX/XX/21, I received a bill from what purports to be Oliver Adjustment Co , XXXX, which claims to be a collection agency. I called the phone number on the bill, XXXX, and spoke to a woman who identified herself as XXXX XXXX. Her name is also on the bill. She refused to provide any information without an SSN or DOB. I refused. I then spoke to a person who identified herself as XXXX. She refused to give me her full name, claiming she was legally prevented from doing so unless I gave my SSN or DOB. I informed them that they had the wrong person, but they refused to proceed unless and until I had provided them with my SSN or DOB. They hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I have an issue with Chase regarding them incorrectly saying that I was late. I opened a complaint with you number XXXX. In XXXX the company agreed to remove the late status. The company never did remove the late status and it's still on all of my 3 scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX inXX/XX/XXXX The vehicle has been in the shop many times and they have been unable to fix it. We are now in arbitration with Chrysler. Our XXXX has been in their shop for nearly 2 weeks now for their allowed final repair attempt. However, they refused us a loaner vehicle. My husband has been taking his motorcycle to work in the rain and freezing cold temperatures because of this. We still have to pay our $ XXXX/month payment and we have no vehicle. This is absolutely absurd. We have attempted to resolve this with both XXXX and Chrysler, but the fact of the matter is that we are under warranty. We pay our payments. We both need to get to work and my husband absolutely should not be forced to put himself at risk on a motorcycle in the rain or freezing temperatures. We are paying a lot of money for absolutely nothing. That's stealing plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX   XXXX ,  XXXX  continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.   I have contacted  XXXX  where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.  <P/> Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard.  XXXX  is reporting to  XXXX  This issue with  XXXX  has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.  <P/> As  one  of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call  may  be recorded for quality and training purposes, however I do not know if it tuly were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: IL
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 PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CBNA violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

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 2021-07-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to file a formal complaint against LVNV FUNDING LLC for failing to provide accurate legal debt validation within the allowed 30 day time frame under FCRA. In XX/XX/2021, I sent a debt validation letter via certified mail which was signed for by XXXX XXXX to LVNV FUNDING LLC. LVNV funding LLC sent back a nearly blank letter from a totally different company by the name of Resurgent Capital Services. On the front page of the letter, there was one address and on the second page of the letter there was another address the letter stated was mines. There was no break down off fees like requested, no signed documentation. LVNV did not provide any documents to prove I owe this debt or provide legal debt validation under FCRA rules and regulations however they continue to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I received a recent copy of my consumer credit report and noticed some unauthorized inquiries that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.

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 2019-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 at XXXX XXXX I made a purchase at XXXX with my debit card in the amount of {$60.00} ( Balance was {$21.00} before transaction ). Normally transactions are pending for 2-3 days before posting. I made a deposit of {$50.00} to the account on XX/XX/19 at XXXX XXXX bringing the account balance to {$11.00}. At that time, no fee had been added to my account. I have dated email notifications from WF. 

Wells Fargo charged me a fee for overdraft in the amount of {$35.00} on XX/XX/19 at XXXX XXXX which brought my balance to $ XXXX. I called to speak to someone to request that the fee be reversed and the a representative that informed me that I have until XXXX XXXX   on the night of the transaction to cover any negative balance. This was NEVER told to me before and NEVER has a debit card transaction posted to my account in less than 24 hours. 

This bank has consistently displayed predatory banking practices in order to extract fees from its customers.

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