BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: Financial Credit Network 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: Old information reappears or never goes away

Complaint:
filed chapter XXXX discharged inXX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: GA
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:
I have multiple inquires on my credit report. I have attempted to resolve with credit reporting agencies but no changes have been made. The only information that was given was that the information is correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Investment Retrievers, Inc.
State: PA
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 co-signed for my sons XXXX business which went bankrupt shortly after I settled all of the debts except for a vehicle that was being used by my sons business partner who kept the vehicle while they were trying to locate him.When they finally did get the car back they sold it at auction for considerably less than market value declaring I was responsible for the balance which was XXXX dollars which I didn't think I was, this was in 2008 .never received any correspondence until recently, when they say I now owe them almost 50.000 dollars which was interest added, I can not meet this financial burden as I am XXXX years old and still working to pay a mortgage and other household bills. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America fraudulently opened a checking account without my knowledge and without my consent. I tried to dispute with BOA in XX/XX/2023. They refused to close it. I filed a complaint with Consumer Finance after seeing that BOA opened accounts without authorization. It was soon determined that the bank account was illegally opened. I requested that this account be closed immediately. Today I received another bank statement in the mail from Bank of America. It's still opened even after Bank of America sent me a letter stating that after an investigation it's been determined the account was opened without my authorization and it was closed.

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 2019-01-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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/XXXX, I used the Santander site to initiate a transfer of {$2100.00} from my personal checking account to my HELOC ( to pay down outstanding balance ). 

On XX/XX/XXXX, I noticed that two withdrawals of {$2100.00} were posted to my personal account transaction history : one on XX/XX/XXXX, indicating it was a transfer to the HELOC, and a second one on XX/XX/XXXX with the description " CAPITAL REPAYMENT ''. I did not make or authorize the second transaction, and could not explain it. 

As of XX/XX/XXXX, HELOC showed credit/payment of only {$2100.00}, with a date of XX/XX/XXXX. I called Santander that day to flag the second withdrawal ( " CAPITAL REPAYMENT ''  on XX/XX/XXXX ) being an error, and a service rep indicated that the XX/XX/XXXX withdrawal would be reversed and my checking account credited within 3 business days. 

Seeing no change in the accounts on XX/XX/XXXX ( neither the HELOC nor the checking account were credited the missing {$2100.00} ), I called Santander again and spoke to a new rep.I was provided a case reference # ( XXXX ), and told the case would require 5, not 3, business days to resolve, so I should anticipate the funds being replaced by XXXX. 

On XX/XX/XXXX, neither account showed the missing funds, so I called again and spoke to a new rep. He could see the case and asked where I would like the funds credited ( HELOC or checking account - I requested the checking account ) and provided a new case # for that action ( XXXX ). He indicated this would take another 3 business days and the funds should be returned by XX/XX/XXXX. I indicated that I have been waiting on the resolution for some time and am accruing interest on the HELOC and other debt due to the funds being missing. He indicated he would request accelerated processing. 

As of submitting this complaint on XX/XX/XXXX, the {$2100.00} withdrawn from my checking account on XX/XX/XXXX is still missing from both accounts. I am submitting this complaint due to repeated delays getting the funds returned and the possibilities of both further delays and not getting the funds returned at all.

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 2023-03-27
Company: DISCOVER BANK
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with discover. I balance transferred {$3000.00} from my XXXX XXXXXXXX credit card to Discover. Then in about XXXX weeks I noticed the XXXX was on both cards. The discover was up XXXX. The XXXX XXXX still showed the full balance. I called discover. They said that XXXX XXXXXXXX list the payment and was never cashed. Discover said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from discover I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in discover and have lost sbout XXXX points in my XXXX XXXX XXXX one at discover will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXXXXXX. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2022, I wrote : To Whom It May Concern : I sent a letter to rescind my contract for the above loan number ending in XXXX to XXXX XXXX XXXX XXXX XXXX late XX/XX/2022. It was received by XXXX XXXX XX/XX/2022. I have proof of this, as the Certified Receipt was returned to me with a signature by an employee of XXXX XXXX. I have since received countless phone calls from XXXX XXXX requesting payment for the loan mentioned above. I requested someone from XXXX XXXX XXXX XXXX to give me a call or contact me regarding my claim to rescind the contract. Each representative, including supervisors from various departments claimed they did not have a contact number or email that was directly to the corporate office. I am displeased in discovering that information as that speaks to the integrity of XXXX XXXX as a whole that is unwillingly to deal with special circumstances that a lower-level tier departments are unable to do. 
I made referenced to 15 U.S.C. 1635 ( a ) ( b ) ( f ) and all information pertaining to that law to back my claim to rescind. XXXX XXXX never provided forms of rescission to me, nor did they make my right to rescind clear and conspicuous, as stated by the law mentioned above. As of this result, I wrote a letter to rescind, and XXXX XXXX had 20 days to come and pick up the property mentioned ( XXXX XXXX ). As of XX/XX/2022, they ( XXXX XXXX ) did not come, therefore, by LAW including EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256 the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or summary. Meaning the property ( XXXX XXXX ) is now mine free and clear of any past/future due payments. As well, I will make mention that I have never been late on any payments, but XXXX XXXX has continued my payment as late and now in default. This I may add, is a defamation of my character, as it has now hit my credit report. I am now having to explain a false statement made by XXXX XXXX to other lenders because I am now looking for a vehicle to buy. I feel targeted by XXXX XXXX putting false statements on my credit report because they will not adhere by the laws, rules, and regulations given. I need someone to contact me within 10 days of this notice so that we can resolve this issue and move forward with the receipt of my just due Title to the vehicle. Otherwise, please accept this letter as my intent to sue by means of my defamation of character and not adhering to my rights to rescind said contract. 

Everything above is what I sent to the corporate office, and they continue to deny me my rights set by law. They are harassing and bullying me with phone calls and scare tactics of repossessing my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted complaints through the consumer finance portal, you reached out to wells fargo, asked for my response, and closed the complaint. No investigation, no research, and no follow up. You reached out to Wells Fargo just as I did and they proceeded to lie and ignore the concerns as they have done with me. As a consumer protection agency, aren't you supposed to investigate??

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 2022-01-23
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchase mobile home XXXX refinanced ground in with new loan through Greentree servicing LLC. It changed hands in XXXX to consaco finance servicing both Greentree and Consaco was contacted by XXXX asking to have my name removed from loan as co-bower. In XXXX is when we divorced. However it has never been taken out of my name from XXXX. I know Ditech is who owns mortgage in XXXX when XXXX passed away. Call asking about ins that was on loan from day one if something happened to either of us the loan would be paid off? I was told it was refinanced to keep out of foreclosure in XXXX and I've also gotten document that's be notorized by someone in XXXX XXXX expires XXXX submitted by XXXX XXXX XXXX from XXXX and XXXX XXXX XXXX firm in XXXX KY saying the pay off date of XX/XX/XXXX had been omitted from the mortgage executed XX/XX/XXXX? Says mailed to both XXXX and co-bower at XXXX XXXX XXXX XXXX Ky on XX/XX/XXXX. It was also signed off on at courthouse in XXXX and filed. I never received anything I didn't live there since XXXX and though I'd been removed from loan. I've asked how did loan get refinanced without my signature in XXXX Ditech refussd to give me info and told me regardless I would pay the debt. Also asked why was payoff date omitted from loan in XXXX was told by Ditech and Shellpoint that now holds mortgage they have no reganition of that but I was going to pay loan. I've also called XXXX XXXX XXXX twice with no return call back. No matter how I try and get info no one tells me anything and no one will send documents they do have so I can put it together. I've hand written request also emailed request. I've sent request to land title company also no response either. Not only did they threaten back in XXXX about foreclosure and again in XXXX but without my knowledge it looks like they got the mortgage forbearance or refinanced loan in some way. I've also called XXXX office here in XXXX Ky and was told by them that the said property is in XXXX 's name only no second person. How does that happened if ground was tied in with mobile home in XXXX at time of purchase? If it was done correct it would show it in both names like loan does? I've not been aware of any of this for yrs it wasn't till the death of XXXX that I became aware of debt and all the issues from these companies that are all tied together leading back to Greentree servicing LLC. I've also asked and sent required things to have my name changed on loan since they says it's mine nothing been done also death certificate was sent to Ditech to remove XXXX leaving in co-bower nothing 's been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2022-01-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am supposed to receive an email from the credit card company on the XXXX of the month indicating a payment is due and the amount. For the past two months I have NOT received an email from the company. 

I have twice called them about this, and each time they have assured me that the email statement IS going out from their company. However, I do not receive it, and theirs is the ONLY email that I am aware of that I am not receiving. 

I agreed to receiving electronic communications rather than paper. They are not meeting their part of the agreement. They will charge me interest if the due amount isn't paid ; but... they aren't providing me with due payment emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-04-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

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 2019-12-31
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Theres are numerous hard inquiries on my credit report and also 1 false/negative account.

These items on my credit report are the result of identity theft and Ive gone to the corrective agencies in my attempt to sort the matter out of getting these false items removed from my credit report.

I have reported all hard inquiries and false accounts with the federal trade commission as fraud/identity theft.

I have attempted to dispute these items on my credit report numerous times with Experian, XXXX  and XXXX. 

XXXX has identified this XXXX XXXX XXXX credit car account as fraud/identity theft, and have taken the proper action in removing this false account, however the hard inquiries still remain. 

Experian and XXXX  have not taken any actions to remove these accounts and several rounds of Fair Credit Reporting Act backed disputes have gone unanswered, and unverified. 

According to the Fair credit reporting act Credit bureaus must respond to disputes within 30 days by verifying or removing said items of concern. 

I have prepared my disputes backed by my attorney in XXXX document format, I have also notarized and sent my letters via certified mail for tracking and documenting reasons. 

This is my 3rd attempt to dispute these false items on my credit report, additionally I have filed an identity theft report with the federal trade commission my following action will be a court proceeding to correct this issue. 

Please remove the following negative item and hard inquiries from my credit file immediately XXXX XXXX XXXX Hard inquiries : please remove the following inquiries in immediate fashion. 

Creditor : XXXX/XXXX Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor XXXX XXXX Creditor XXXX : Date : XX/XX/XXXX Creditor : XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX This is my federal trade commission identity theft report number : XXXX Happy New Years, Best Regards

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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Date of incident XX/XX/2023 Kohl 's recently partnered with Capital One to handle credit card payments for them. Until today I would have had an option to use my Kohl 's card or the Kohl 's VISA card with Capital One when I logged in. Today the only option I had was the Kohl 's VISA card. 

When I tried to use the Kohls VISA while shopping online, it said I had to connect the card. In order to connect my card I had to enter the account expiration date and security code. I didn't have this information because I never received a physical card ( plastic card ) from Capital One. I called Kohl 's and was told I had to contact Capital One I went to the Capital One website and saw a red box that said Kohl 's VISA in big letters with a drop down box to " get your virtual card ''. I clicked on this box and wrote down the account number ( ending in XXXX ), expiration date and security code. I tried to use this to process my purchase on the Kohl 's website. I kept getting error messages that I did not enter the correct expiration date or security code. 

I called Capital One and explained the above to them. The representative told me that the virtual card was my Capital One card ending in XXXX. My Kohl 's VISA card had an account number that ended in XXXX. I repeatedly told her I want to know the full account number, expiration date and security code for my Kohl 's card. I could not connect the Kohl 's card without this information. She refused and kept telling me I could just use my new Capital One card ending in XXXX. I adamantly refused to use their card and demanded to speak to a supervisor. She told me my Kohl 's account ended in XXXX and the expiration date was XX/XX/2023. I demanded to speak to a supervisor. 

When I spoke to the supervisor, she would not give me the full account number, would not give me the security code, would not provide a plastic card and would not provide a virtual card. When I threated to report the credit card company she connect the Kohl 's VISA to my Kohl 's account so I could use it to make a purchase. This process took more than one hour. 

I don't know if I'll be able to use my card on future purchases. Most purchases I make online with a saved credit card still ask for the security code. If that's the case, I won't be able to make a purchase using my Kohl 's VISA without going through drama on the phone with Capital One. 

If I hadn't threatened to report them form credit card fraud, my Kohl 's VISA would not have been connected. It appears to me that Capital One is trying to force Kohl 's customers to use their credit card instead of the Kohl 's VISA.

Company response to consumer: Closed with explanation