BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never received any kind of notice from the original company, XXXX, that i owed a whopping XXXX until i tried to refinance and was notified i owed this amount and it was damaging my credit, i paid this amount on XX/XX/XXXX, i also sent Waypoint collections a letter at XXXX asking to receive a letter stating i paid in full and currently have a XXXX   balance to send to my mortgage broker who is refinancing my home, needless to say they never sent me any letter to date. I Called today and was told they will request a letter again from a 3rd party and it will take 2-3 days yet again. I asked to speak to a manager and was told " XXXX XXXX '' was the manager who requested the letter today. XX/XX/2020 will get back to me within 24-72 hrs. Since my original email asking them what they told me to send was on XX/XX/XXXX, i should have received this letter 3 days later on the XXXX. We are currently at XX/XX/XXXX. Don't know why they are allowed to treat people this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: American First Finance, 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:
Original Creditor : XXXX XXXX XXXX {$1400.00} - Amount Stated That I Owe **** Requesting **** VOD **** Validation Of Debt **** Date Disputed : XX/XX/2018 Resolution : Account Status Was Updated Requesting VOD - Validation Of Debt This Was NOT Validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 inquiries from the same company and around the same month or two never applied for some of the items that are listed. Like about 6 capital one bank or any that shows up more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2017, {$350.00}, the ladie in a XXXX XXXX ask me about if i want a credit store and i said NO i have to much credit cards to pay and she told me it 's not a credit card it just a application to see if you qualified for purchases and i filed thinking this do n't go to affect my credit report so then some days later I 'm receiving a credit card from that store " XXXX XXXX ''! 
The point is she told me to much lies to make me apply for that card and now I 'm no sure if trying to close this account this going to affect my credit and I want to report the store and the " lier lady ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Card was used on the XXXX of XXXX for XXXX and again on the XXXX for XXXX after it was stolen I emailed the fraud dispute company on the XXXX when I realized it took them until XXXX XXXX to respond with the information they needed I sent that on XX/XX/XXXX since I was unable to send emails until then and have since then emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thinking maybe they were just to busy from holidays but have not gotten a single response to any email as to wether action has been taken yet

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 2020-05-04
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an ATM deposit in an amount of XXXX in the form of a stimulus check and now I am told I have to wait because my name does not match. I recently was divorced and offered my drivers license and divorce decree to prove my name is legally or was XXXX XXXX or XXXX XXXX XXXX however now I am afraid I will not be able to get my rent paid because of this issue of have my car payment deducted on XX/XX/2020 I spoke to three representatives and no one took any initiative or had any emphathy towards me. This is not acceptable for a banking institution to treat customers this way. My rent payment will be deducted shortly and no resolution was given to me I feel this is unfair. The bank location is BBVA in XXXX  Texas phone number is XXXX My bank acct ends in XXXX Last four of ssn XXXX XXXX XXXX is listed in my account Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I need my check back ASAP or deposited to my account I have all my documents in place. I do not have an official name change however legally on my drivers license I am XXXX XXXX XXXX and have proof of my identity Please help me my call back number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: UT
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:
Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. 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 2021-01-29
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:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX, I returned an item to XXXX that I had originally purchased using the American Express Bluebird card. XXXX processed my return and provided me with a credit receipt. Moments later, I viewed my Bluebird account and saw that Amex had processed this transaction as a purchase instead of a credit. Amex out a hold on my my account for {$21.00}. I called Amex and they said that XXXX processed the transaction as a purchase and that they did not see a transaction for a credit. Despite me telling them that I had the receipt and transaction number as proof that it was a credit, they refused to lift the hold on my funds. About two days later, the XXXX credit came through despite Amex telling me that they had no evidence of the credit transaction. My funds still remain on hold with no help from Amex. I do not believe that XXXX caused the purchase transaction, but rather I believe that Amex is illegally holding my funds to capitalize on my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: FL
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:
accounts are closed by the companies, when I received my reports back from bereaus via XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank who holds the loan and services the escrow for my mortgage account. Have not been responsibly managing the escrow portion. My account has been debited for insurance purposes but insurance has not been paid. I've been double billed from two separate companies, within the escrow for the same amount of money. And my monthly statements for escrow do not match up with what Chase Bank sent me. They're showing charges and XXXX for insurance payments on a bill that they just sent me. That are not on the paper copies that I get monthly. Looks to me that someone went in after the fact and try to add this information. And send it out on a paper copy ask for when they say they made homeowners insurance payments. I have a copy of all of XXXX statements from Chase Bank. As well as their escrow analysis statement which shows then paying homeowners insurance two two separate companies for the same dollar amount and the month of XX/XX/2020. But my XXXX and XXXX statements dispute. Now they're raising my monthly payment and saying that my escrow is severely upside down. And the dollar amount that they say they paid for the homeowners insurance is incorrect. It was due in XXXX. But after it was not paid I paid it directly from my credit card in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CCS Financial Services, Inc.
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:
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$82.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. They have not responded and they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
They were properly notified that I was XXXX and on ssi for several years and placed my loan in default anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have never received a copy of my fcra report from XXXX! 

I've been trying since XXXX! 

Now it's XXXX! 

I have left telephone messages on XXXX XXXX telephone messaging system! 

A lot of times!

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 2019-04-27
Company: CITYWORTH MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was in the process of buying a home in XXXX, Fla. under my VA eligibility loan and the lender had already approved my for {$300.00} and was asking my for all type of different Documents, IDs, old mortgage and bank statements which we faxed or sent to them. My realtor XXXX XXXX in Fla. said to us that he had never seen a mortgage Co. ask for so much different stuff for a mortgage loan. After all of this went down, and knowing that my VA loan is no money down {$0.00} they had us to wire them {$1.00} plus them made us pay for the termite inspection {$450.00} and the property inspection {$150.00}. After that they wanted clear pictures of My wife and I IDs which I had sent them before via fax now I did them on my phone. I was two days before closing, they told us that we they were not going to give us the loan. We believe that the seller saw that we were XXXX and the home we were buying was in a gated neiborhood. They then sent us a form of release of our funds to sign and we sent that back to them. After a few days went by on the weekend, that Monday morning they sent me a email stating that they would not give us our money back because my wife before we were married, her home was in a reverse mortgage and I had sent those papers to them long before we wired them the money. If that was the case they should have stopped the whole process than. The Mortgage Co. is CityWorth Mortgage in XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and XXXX  now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife and I were in business partnership that went sour do to another partner misusing funds we blocked them from using account last year. They were able to go to account even though they were blocked and took {$3900.00}. I was advised by Wells Fargo there was nothing they could do about it and I needed to close account and open new account with only my wife 's and my name only on the account and this problem would never occur again. We did that last year. Yesterday on XX/XX/2019. I saw the account which had {$3100.00} was empty. I found out that Wells Fargo authorized XXXX XXXX to put her name on the account without authorization from us and steal the money. They justified by saying she was a business partner on business that was closed and no longer in operation even though original business account had been closed. We want our money back as she was allowed to steal from us without as much as a phone call to us. We also want an explanation as to how they can act as lawyers on her behalf and not protect the account holder. I want Wells Fargo to proceed with fraud charges against her and she be put in jail.

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 2021-09-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo has allowed for the creation of scam/fraudulent accounts. I fell victim to a wiring scam on XX/XX/2021 for my housing down payment where the beneficiary account ( scammer ) had a Wells Fargo account. The scammer was able to make an account with the same name as my attorney even though that's not their real name. Wells Fargo also accepted a wire to an account where the account details did not match up exactly. Wells Fargo has delayed freezing the funds in the scam account, which decreases XXXX  XXXX XXXX ability to recall the wire. Wells Fargo has allowed for the creation of scam accounts under fake names and has caused delays in getting the money back to the victim of a scam.

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 2019-04-27
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Other debt collectors have tried to collect money for this same issue and Ive had it removed. This company keeps refusing and has no proof this debt is mine. I have no recollection of this debt. Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
First off I am a current Capital one customer and hold 2 of there cards, the platinum, and the spark for business. I love capital one and make all of my payments on time. 

I subcontracted for a company and a man named XXXX XXXX and he had me use his card a couple times. apparently he added my as an authorized user to his card at some point in time and states that he does this for all employees that he lets use his card. 

This was done without my permission and last week I started getting letter that some of my credit limits have been lowered due to a couple late payments. after investigating I see that his account is reporting to my XXXX credit report and this is not a reflection of my personal payment history as I have a stellar 100 % payment history. 

I would like this account removed from my personal credit report so that I can try to fix the damage that has been done with my credit limits reduced. My utilization was at 15 % and now that my limits have been lowered my utilization has jumped up to 65 % which on top of the late payments have dropped my score over 144 points!! 

I am sickened by this and hope for a quick and speedy resolution! I take pride in my credit and need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of {$25000.00} on XX/XX/XXXX. I received notices that three of the loans were paid off in full as of XX/XX/XXXX as I delegated the funds. XXXX now has reversed my payments in their system but still have my funds. There are not resolving the issue despite having taken {$25000.00} out of my bank. I am so frustrated with the illegal activity and am requesting an investigation. I will also be hiring an attorney to aid in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has shown up on my credit report from convergent outsourcing for an amount of XXXX or something close to that effecting my credit report and score for a debt I've never heard of

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