BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My problem is with Bank of America, they are using my card in unauthorized payments called checkcards and then they deduct the total and after a couple of hours they return my money. I even have videos of that, they violate my privacy since I am not sure what they do with my money and Bank of America also doubled some purchases I made in XXXX and XX/XX/2022 I have more screenshots of 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 monetary relief
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I applied for a capital one credit card online and was approved. Yet, I have not received a card or notification about the processing of the card. 
I purchased a car through capital one auto finance in XX/XX/XXXX and have never missed a payment or been late. They refuse to refinance my car, approve me for a high interest credit card and never send me the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX  credit report it shows a creditor by the name of XXXX XXXX XXXX XXXX reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Balance : {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX  but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.

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 2023-07-31
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have paid every month for 3 years until I got hurt and was off work but I called and made payment arrangements and I spoke to a customer service manager and was told that they would get all my late fees and some of the extra interest off that would bring my total amount down a lot and I would not owe but a few thousand dollars ( XXXX ) but they have not did that. Most off my money is going towards interest. For the mileage and old year of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Kriya Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX credit report it shows a creditor by the name of CREDENCE RESOURCE MANA reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Closed Payment Status : Charge-off Status uploaded : Balance : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX, I was very sick and I had to go to the hospital. I do have health insurance. I never receieved a bill for anything I owed. I am trying to get a home mortage right now and I had my credit pulled last week and they said I had a collection debt on my report which I know could not be true. When I reviewed it, I was sent to XXXX for a XXXX bill. I never received a bill for this so I had no idea it was even due! I called XXXX to talk to the payment center and they told me that I did not owe anything as my insurance had paid everything. I asked for them to remove me from XXXX and they said they could not. I would have to speak to XXXX. I went into their XXXX NC XXXX and the lady up front said there was nothing she could do, that my credit was damaged for 7 years and to just go ahead and pay it and it will " look better '' than it being owed. She also said if I did not pay it, they could put out a warrant for my arrest for failure to pay a debt that is owed. 

If I owe it, that is fine and I will pay it in full but the hospital told me I didn't owe it and XXXX is no help in the matter. They have broken the Fair Credit Reporting Act and my fiancee is an attorney here in XXXX NC. He is wanting to file a suit against paragon for damages to my credit report but I would rather just pay the amount owed and have it deleted vs going to court over something I don't even owe and never got a bill for. All i am asking for is the opportunity to work this out and have it deleted off my 3 credit report bureaus before my fiance takes XXXX to court over XXXX dollars. 

I have heard horror stories in the past about XXXX lying, double crossing people, and I refuse to be a victim when they broke the FCRA law in North carolina. 

I have filed a complaint with Consumer Financial Bureau, XXXX XXXX XXXX, and I have also contacted my Attorney Generals office of North Carolina. 

If they are unwilling to resolve this with or without payment and delete from my report, I will have no choice but to let my fiance file a lawsuit against them to have it removed from my report as this is keeping us from getting our new home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Issue : Well Fargo Lost ATM Deposit Check Wells Fargo branch ATM machine took my deposit check when I attempted to deposit funds and gave an onscreen message indicating that the deposit check was jammed and would not be returned. Please note, the check fit the size of the intake entry and received no messaged indicating any issue with the check before the machine ingested it. 
I then received a message stating We are already working to credit your deposit. Here is what you need to know : - You do not need to take any further action- We have credited {$0.00} to your account as a placeholder- We will fully credit your account withing 2 business days - If you have any questions, please call ( XXXX ). We apologize for your inconvenience. 
I was then given an option to print the ATM receipt which I did and have in my records. 

Date Deposit Attempted : XX/XX/2023 Check Amount : {$17000.00} Escalation : 1. Went to the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, and the local bank stated that they can doing nothing as the ATM machine is serviced by XXXX. I then asked what can I do and they said to call the number on Wells Fargo ATM receipt. 
XXXX. I contacted Wells Fargo at XXXX and the customer agent created an investigation claim Wells Fargo Claim No : XXXX XXXX. I have then been receiving automated system messages from Wells Fargo indicating that the claim is still under investigation. I received a missed call from a XXXX, AZ, location on Thursday, XXXX XXXX XXXX and I called that number back on Friday, XXXX XXXX XXXX, providing my phone number, name, and requesting their call back. 
XXXX. Note : Other than the automated messages, I have not received any other correspondence from Wells Fargo and not even a voicemail or text though I have provided all my contact information to them

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 2019-11-12
Company: EQUIFAX, INC.
State: CO
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:
There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XX/XX/XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped 57  points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: F.H. Cann & Associates, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX i received my first letter regarding the current collections on this debt from the Dept of Ed.  This first letter was the FINAL NOTICE OF WAGE GARBISHMENT FOR DEBT OWED TO US GOVERNMENT. When i called the Dept of Ed on XX/XX/XXXX i was redirected to FH Cann. Prior to this XX/XX/XXXX letter I have had no contact from a collector about this student loan debt when another company tried but after I sent a written request for verification of the debt, the collector never supplied verification and stopped contacting me. So, in several phonecalls on XX/XX/XXXX I immediately questioned FH Cann as to how this FINAL NOTICE was the only notice I've received and all they said was everything was sent to the same address. On this call I was instructed of several repayment options, of which were slight variations of paying the debt off in full. Not until ending the intial phonecall and doing some research and learn about loan rehabilitation. Upon calling back on XX/XX/XXXX and mentioning the rehab program FH Cann then said that was an option. They then proceeded to pressure me and question me about expenses regardless of how many times I stated I'd like time to review my finances to provide these numbers. FH Cann provided an estimate based on these inaccurate numbers and persisted in trying to get me to agree to these terms. Several times I repeated I would like to review my finances and was ignored I said I would not agree to terms until I could do a financial review to provide accurate numbers and that I also needed verification of this debt before I could do so. I was told this information was to be sent to me. The only documents I received after this call was a prefilled out loan rehab income and expense form using all the unreviewed numbers from the phone call. No verification on the debt as of XX/XX/XXXX. I will now be following up with a written request of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA.

Equifax is the only Consumer Reporting Agency reporting the Invitations Homes account on my consumer report. XXXX and XXXX  has both removed this account from my consumer report. I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I can not understand why the CFPB was duped into believing the lies returned from my Mortgage Company -- -OCWEN , subsequent to CFPB Case inquiry as relating to my XXXX Compliant! 

CFPB should be well aware of OCWEN 's track record, and the parade of States which had sued OCWEN for wrongfull acts, including illegal foreclosures and victim homes from underfoot!! Yet, all OCWEN had to do to appease the CFPB by sending a packet of mistruths & inaccurate figures on a few dozen sheets of paper before the case was closed!?? 


I really expected more from the CFPB! 

Maybe find out where all the Millions of Court Fine dollars had gone in the wake of all the hand spanks Ocwen had received in the last ten years. 

More importantly, I want to know why I can't use any of those MILLIONs for my defense as a victim, instead of seeing 'Business as Usual ' for Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
The credit report is incorrect and not belong to mine. The credit report office not willing to resolve or remove the issue out of my credit report. If the office need the lawyer to inform. What the cost fee will be responsible by the credit office thank you

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 2021-06-08
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax mortgage XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2019, I met with Detective XXXX XXXX, at the criminal Investigation Division of the XXXX XXXX XXXX  Police Department, wishing to report the theft of a XXXX XXXX that she mailed using USPS.

The Money Order is now deposit on a bank account at JP MORGAN CHASE. 
RT # XXXX. 

I have a copy of the deposited image of the XXXX XXXX and it was clearly altered by the client making the deposit. The name on the money order now is XXXX XXXX with my name still printed on the document. 

I would like to get my money back as soon as possible, since this person stole the XXXX XXXX from a USPS mail box and altered the document, making this case a FRAUD AND STOLEN money order case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Its been over 9 months since I have been going back and forth with Transunion over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.Ability XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX, 6. Ch XXXX Bnkrptcy # XXXX, # XXXX, Ch XXXX Bkrptcy # XXXX. There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.

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 2017-09-19
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to call to find what the debt was. I never opened a credit card and companies would not give any info other than date opened date closed and date bought. Original debtor said debt was bought jobinfo available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment within 30 days, and XXXX reported to credit report agencies negatively that I did not make a payment.

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 2018-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX a fraudulent check was deposited into my account on XX/XX/XXXX that check was rejected by the bank and without my knowledge them on XX/XX/XXXX bank of America closed my account for suspected fraudulent activity I have tried numerous times to resolve this with bank of America but no luck on XX/XX/XXXX i got a call from bank of America representative XXXX XXXX ( XXXX ) ext ( XXXX ) I told her about the incident and she told me it would be investigated I then got a call back from her on XX/XX/XXXX stating that it was investigated and the matter stands as fraud ... i am writing this again as a fraud complain on who ever deposited that check and bank of America for not properly looking into this matter I can not open no account cause they put my name in XXXX   for a matter I have no knowledge about

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