BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had XXXX automobile loans through Wells Fargo. Both loans had gap coverage. Only had either loan for a short time. I refinanced one and traded the other. I waited until both loans showed paid in full before canceling the gap insurance because I had read that Wells Fargo was under investigation by the federal reserve for falsely obtaining gap refunds stating it was to cover a remaining balance. Even though both loans showed paid in full, Wells Fargo still requested the gap refund for both loans. Upon inquiry with Wells Fargo, I was informed that they would hold my refunds for both accounts for at least 120 days. This is unacceptable as they acquired the funds fraudulently and borderlines theft. The amounts stolen were {$850.00} for account XXXX and {$1000.00} for account 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 explanation
Consumer complaint received 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
So back in XXXX I noticed a bunch of error on my credit report. I reached out the the comapanies to fix the issue and most of them have but their are a few that still have not fixed it. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX Not mine but it is reporting Bank of America account number XXXX opened XX/XX/XXXX I have been trying to reach them about this account that was opened that i was not aware off. They refused to submit documents or even report the account number so i can challenge it. 


Errors from XXXX XXXX account number : XXXX opened XX/XX/XXXX Ive had these guys and they told me that they were going to forgive the late payments due to the hardships i was having at the time.

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 2016-08-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my Heloc on XXXX XXXX, 2016 and have not received my original note back. I received confirmation that the line is paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit System, they do not want to send any documents with my info. I dont see it on my credit report. Its affecting my life. They want me to file a identity theft. I dont see this on my credit. It took them a week for them to find me in there System. They told me to contact the apartment complex. The company with the number do not own the apartment complex anymore. The company never picks up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: VA
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:
I have sent 4 disputes to Equifax to their mailing address of XXXX XXXX XXXX XXXX, GA XXXX on the dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The accounts that were disputed were XXXX XXXX for {$130.00}, XXXX XXXX XXXX XXXX for {$9700.00}, XXXX XXXX XXXX XXXX for {$10000.00}, XXXX XXXX XXXX for {$210.00}, XXXX XXXX XXXX for {$120.00}, no named account on the report for {$280.00}, no named account on the report for {$50.00}, no named account on the report for {$200.00}, No named account on the report for {$260.00} and a no named account on the report for {$62.00}. I have not received one response to any of these disputes and Equifax is refusing to delete the disputed accounts despite their violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Collector appears to be trying to collect on an invalid debt that doesn't legitimately exist. After sending two letters for debt validation, the creditor still could not provide components of a valid debt. 

They are claiming that they are collecting for a XXXX XXXX XXXX XXXX XXXX balance from a cancelation date of XX/XX/XXXX, which is frivolous. We once had XXXX XXXX prior to the COVID shutdown and canceled all policies with them on XX/XX/XXXX. We provided this information and asked for any documents showing any signed contracts, renewals, etc, beyond XX/XX/XXXX. They have not been able to provide any because its frivolous. Everything was canceled during the stay-at-home period, and this is merely an illegal stick-up for money by a collection agency on something that didn't exist. 

Furthermore, if that had been the case, insurance is not a loan of any type and would cancel at the date of non-coverage. In my case, my policy with them was canceled XX/XX/XXXX, and erroneous attempts for force a continuance six months later is far-fetched and illegal. 

XXXX XXXX does not and will not respond because they know the facts. This collector seems to insist on reporting erroneous collections for some sort of illegal payday. 

I asked for the following information below, which they could not provide. They are illegally trying to collect on a fabricated debt and ignoring consumer protection laws. 

The following follow-up letter was sent to this collector on via certified mail on XX/XX/XXXX. 

Dear Collector : I just received your incomplete response to the below information I requested from you. 
I am disputing the validation of this claimed debt and request that you immediately provide me with the following in writing : 1. Copy of Original Contract with my signature for the debt.

2. Full payment history from the original creditor 3. Name and Address of the Original Creditor 4. Proof that you now own or have been assigned this debt to collect. 

I had no coverage with XXXX XXXX beyond my XX/XX/XXXX, cancellation during the COVID-19 nationwide stay at home order. 
No entity has the ability to create or ascertain a debt without my signed consent. 
Please adhere to the Fair Debt Collection Practices Act and remove this erroneous, incorrect, and derogatory information immediately from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Personal information incorrect

Complaint:
Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Yesterday, I received an initially alarming phone call from XXXX, stating : This is XXXX XXXX, we have received an order for 2 allegations to be filed against you immediately with the county clerk 's office. This department will be actively pursuing you at your place of employment and place of residence. You do have a legal right to ( unintelligible ) with the plaintiff outside of court. Please understand when you are located, you do forfeit that right. You can contact our legal department at XXXX. Refer to your case number XXXX You can reach us directly at XXXX or you may press O now to speak to a live agent. 
I had student loans, federal and private, which were paid off in the 20th Century. I had one loan for attending XXXX College, and another for attending XXXX School, both in NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX phone number : 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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to 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 explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 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.

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 2017-04-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In response to a letter I received from Synchrony Bank dated XX/XX/XXXX in reference to a previous Dispute regarding my Lowes Credit Card ; I contacted Synchrony Customer Care at the number provided XXXX. 
I spoke with Synchrony Bank Representative, XXXX in XX/XX/XXXX. 
He informed me that my previous Dispute for purchase amount XXXX was found in my favor on XX/XX/XXXX and credited to my CLOSED Lowes Credit Card Account ending XXXX. 
Previously on XX/XX/XXXX, I received a letter from Synchrony Bank stating they had identified an error in the resolution of my previous dispute from XX/XX/XXXX, and that they credited my CLOSED account XXXX including the amount of the Dispute, ( XXXX, XXXX ) I was informed by Synchrony bank representative over the phone on XX/XX/XXXX that I would be receiving this information in writing via XXXX Mail regarding the Dispute resolution on XX/XX/XXXX within XXXX to XXXX business days. 
I have not received that Information. 
Additionally, after I received my XX/XX/XXXX account statement due date XX/XX/XXXX ( Synchrony Bank would not accept my payment online or over phone ) my account was charged off XX/XX/XXXX with an incorrect balance of XXXX, XXXX. 
Since the Account was closed in error, and the credit was not made while the account was OPEN, the amount in error including the Disputed amount XXXX, XXXX plus interest and fees should be Refunded to me in Full.

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 2018-12-18
Company: JPMORGAN CHASE & CO.
State: MO
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:
On XX/XX/2018 I was on a business trip in California. I went to the rug company, XXXX at XXXX XXXX XXXX XXXX, CA XXXX, they had a going out of business sale, when I walked in I was helped by the salesman XXXX XXXX. After looking around I decided to purchase a rug for the amount of XXXX before I paid I told XXXX that I do not live in California and he said that it was no problem to ship the rug. I was then sent to a different room to pay for the rug and was helped by another employee. He informed me that if they ship the rug via XXXX to my home that I will not be charged sales tax. The next day, XX/XX/2018, I was contacted by XXXX, asking me if I could get the rug on my flight because he was worried about all the confusion and high traffic in the business due to closing, XXXX also stated that they would pay for the extra airline charge for shipping the rug. I later found out that I could not get it on my flight, so when I brought it back I told them we will have to go with the original plan and have it shipped by XXXX. I also informed them that I live alone and need to have it shipped to my home without a signature and I explained I have excellent security camera. XXXX said no problem. I paid XXXX ... no sales tax was ever charged. After over a month I never received the rug. I contacted the owner, XXXX and he stated that they shipped it with a smaller shipping company and they require a signature. XXXX also stated that they tried to contact me but I was at work. I explained that sometimes I get home late. XXXX state that the shipping company will not deliver past XXXX XXXX. The next thing I know is that the company sends the rug back to XXXX without contacting me again! XXXX has my rug and they want to keep my XXXX. They told my credit card company that I left the store with the rug and all sales are final. That was NOT true!! The original shipper stated that the rug was returned to XXXX in California. The shipper stated that he tried to get ahold of me several times but I only received one call and I told them that I will be home at XXXX that night but they never came. I believe that was around XX/XX/2018. I never heard back from them even though I tried to call the number back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Countrywide sold my loan. They changed it to a fixed loan since I told them I was promised at closing plus I could n't afford ARM. XXXX Bank of America but they kept me on ARM. XXXX shows that after XX/XX/XXXX sale to BOA they were to reach out to customers to issues checks and be required to offer a loan modification. I was never notified. I had to file for bankruptcy and once it was closed last month, they sold my loan. This SHOULD HAVE BEEN MODIFIED per agreement with attorney generals complaints. XXXX XXXX XXXX MN 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 explanation
Consumer complaint received 2022-07-19
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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:
On XX/XX/2022, I called my credit union BECU and asked for the dispute of {$100.00} and some cents against my credit card but then they transfer me to their XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with an XXXX lady in XXXX and she said maybe it takes 30 days for the result & we will let you know about the result. As it passed over XXXX and XXXX months and I didnt hear from them, I called again to BECU and they transfer me to XXXX again. 
After I told XXXX that I m following up with my dispute, the line was dropped and none return my call. 
Again I called directly to XXXX and they told me we knew you called on XX/XX/XXXX but it seems no follow-up with your dispute then your request is gone from our system and you need to do it again. I told her how that was possible and that I need talk with your supervisor as this is the second time your company ignoring my dispute request. She said our supervisor just can call you back between XXXX hours and they are not available. 
Again, none called me and none care about this dispute. 
I called last week to BECU and the customer service start giving me some excuses. I asked him to connect me to his supervisor. Then She told me quickly we are not responsible for our third parties and you need to follow up with them and we can not do anything for you. This is between you and them. I can not believe how great BECU and their uncared and irresponsible third parties are! My dispute was ignored again and none of these to XXXX did anything for that. 
A couple of years ago, I was disputed an amount over {$260.00} and BECU and XXXX didnt care about disputes and each one passed me to another one. It was taken over XXXX and half years with my follow up but none of them did any effect on my dispute request which was my right and I didnt use the service of that organization.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that wells fargo credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.

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