BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The wage garnishment is from an auto repo in XXXX from Credit Acceptance Corporation. 
I had a judgement against me in XXXX. I could not pay as I was back on SSDI. In XX/XX/XXXX I received a letter from an attorney, XXXX XXXX XXXX XXXX, delivered regular mail not certified stating that papers were filed to have my wages garnished. This was the first time I ever heard from this attorney. Around the XXXX of XXXX I received notice again by regular mail, dated XXXX from my employer 's payroll service XXXX stating my wages were going to be garnished for XXXX by deductind 25 % from each check. I never received notice from the lawyer or the Sheriff Office. I have custody of my XXXX grandchildren and I am head of household. There is no way I will be able to pay my bills and provide for our basic living needs. Also, I work for a corporation who subcontracts for XXXX  [ XXXX and XXXX XXXX ] a XXXX XXXX who has a difficult background check to pass, which I have not cleared yet. Financial obligations are part of the background check, with that being said I am concerned about being cleared with this wage garnishment. 
I may loose my job.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: CT
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-09-02
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I believe we have reached a mediation settlement with the mortgage company. I am enclosing the documents. I had XXXX a job loss and I am recently employed, my older son and I are making the payments to escrow. I am attaching a document since I could not attach it to the other case. Case number : XXXX. We need the cooperation of the seller and the trust company, Sunwest trust, the bank has agreed to let me and my family assume the loan. We have made the payments and lived and repaired and insured the home. Please refer to the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: IL
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:
when i applied for a truck loan in XX/XX/2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No  one is able to help me, I've called numerous people for help and am getting no where. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: BARCLAYS BANK DELAWARE
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I had my credit card number stolen and someone set up an XXXX account and used the card to make several small purchases. XXXX recognized these charges as fraudulent and did not charge my credit card account ; however, the charges appeared on my Barclay card account. XXXX said they would credit the charges, but they couldn't because they were, in fact, never charged to my account. So, Barclay seems to be committing fraud. They charged me for something they were not charged for. When I contacted Barclay about this, they explained that although XXXX may have contacted them about fraud, they could do NOTHING without talking to me directly. To me, this was very troubling ; I know credit card companies like XXXX XXXX XXXX cancel cards any time they have a suspicion of fraud WITHOUT contacting the cardholder. The agent at Barclay kept telling me it was my responsibility to contact them. When I said, " I want to know how you can charge me for something you were not charged for? ", the agent would turn the matter around on me and say they could do nothing without my permission. In my opinion, it is quite possible they are collecting these fraudulent charges, which they have not been charged for, from many of their cardholders. These small sums can easily be overlooked and add up to XXXX  of dollars of FRAUD.

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 2023-10-20
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never signed with this company. They don't have my signature with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 deposited a check from my wifes XXXX account for {$4500.00} into our personal checking account at Bank of America. The bank had place a hold on the funds until XX/XX/XXXX claiming that it would take that long to verify the funds. In my conversation with Bank of America over the phone and in their Branch at XXXX XXXX XXXX, XXXX TX they stated they would not release the funds until XX/XX/XXXX as they could not verify they were available and that they had received some type of notification from XXXX that there may be an issue. We reached out to XXXX and the Branch my wife uses on Friday the XX/XX/XXXX and he assured us that no issue or alert was sent from them to Bank of America and that he XXXX XXXX the Branch manager would be happy to talk to any B of A employee and personally confirm the funds were available and there was no risk with the deposit. We had inquired about doing a stop payment so we could just get cash and deposit that but were told that B of A already had the funds and that option was not available. This issue will cause considerable strife as it will make us late on certain bills. We also called BofAs on Saturday and were given the same timeline regardless of what XXXX says or does. I ( XXXX XXXX XXXX mentioned that there hold seem to violate federal law but they were clear they would not be moved.

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 2023-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-08-19
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX I sent a certified letter to Sequium regarding a collection account they placed on my Credit report, to validate this alleged account. I have received no response in over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA N has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear sir/madam, I heard about you through a magazine. your article gave me a hope so I hope you can help me as well. I would like to complain about nation star mortgage. I have bee with this mortgage company since 2007. I have refinanced my house once in this whole period of time. Last year my husband was incarcerated, and I was left with all the financial responsibilities. I have XXXX kids, and I work full time in retail. I have been trying my best to take care of everything. I work long shifts and sometimes I work 7 days a week. I can not spend anytime with my kids. they stay at my parents or sisters during the time I am at work. I tried to get some help from Nations star mortgage. first of all they took forever, the person who was assigned to bring my mortgage amount lower was so hart to get a hold of. he would never contact with me on a timely manner, the time he would provide me with the updates. I was so tired of calling Nations Star. They would never give me a proper answer. I had almost given up. One day I got a letter that I was not eligible. I think they did n't take proper action to solve my problem. I am so furustrated. Please help!!!! 
thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I had been with paypal for few months using it solely for Swappa.com. I did a pretty good volume for the past few months. Even with having a XXXX XXXX linked with my account and Ive done everything right and legally, I wasnt even given a chance to appeal my case. All the documents they asked for were submitted and even having a XXXX XXXX didnt even matter to them and they just shut the account down permanently which is totally unfair. Im just doing everything to keep my family afloat during this trying times by doing reselling business. 
My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: United Collection Bureau, Inc.
State: TX
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:
This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage raised my monthly payment. XXXX furnished a statement on XXXX/XXXX/2015 showing an interest rate of 2.625 % and a notation that the Interest Rate is good until XXXX/XXXX/2015. Then the following month they sent another statement dated XXXX/XXXX/2015 that raised my interest rate to 2.75 % and a notation that the Interest Rate was good until XXXX/XXXX/2015 and increased my payment from {$1400.00} per month to {$2500.00} per month. 
I called the loan servicer to let them know of the error and they told me to disregard the XXXX/XXXX/2015 and to make the payment {$2500.00}. I told them they were the one that generated the statement and they said to again disregard the XXXX/XXXX/2015. They did not want to help in this matter and again, just stated to disregard the XXXX/XXXX/2015 and make the new payment. I feel that Nationstar Mortgage should be consistent in their notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed on XXXX while I was trying to rent a house this started on XX/XX/2020. I went to my bank to get my money on XX/XX/2020, when I didn't receive what I had paid for and did not receive my money back. They looked into it and even though the guy who scammed me was clearly impersonating another person ( Wells Fargo said their accounts didn't match up ) they would not consider it fraudulent. I Lost XXXX dollars in this exchange. Attached is my fake lease and emails that I though were going to lead to my new home. I need that money. I don't know who else to go to.

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 2019-10-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reportinXXXX! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2019 I checked my credit report. I found incorrect information on Equifax. The report stated that a collection agency, XXXX XXXX XXXX XXXX, was attempting to collect {$120.00} for a bill from XXXX for XXXX XXXX provided by XXXX XXXX XXXX. I contacted new west physicians and they informed me that the person that owed them money had a different middle initial and lived at a different address. I then went through the formal dispute process that Equifax has. Today, XX/XX/2019 Equifax notified me that they verified that this item belongs to me. 
I have never received any billing for this {$120.00} from XXXX XXXX XXXX and I have never been contacted by XXXX XXXX XXXX XXXX. 
Today I contacted XXXX XXXX XXXX XXXX. They agree it is not me and are trying to fix this from their end. 
Equifax did not perform any due diligence to determine in their dispute process. I would like to formally complain about the way Equifax handled my dispute of their incorrect records. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a happy customer of Simple Bank. They decided to shut that bank down and transition everyone to BBVA. 

This transition happened yesterday ( probably ). I tried to enroll as a new BBVA customer, per the instructions in the emailand my accounts are now locked and inaccessible. Calling the CS number results in being hung up on, in the rare occasion they even answer to begin with. 

I have spent the better part of the past two days attempting to unlock my accounts, so I can pay bills and make sure all my automatic payments are still on track to be paid. 

This is a mess. And what makes it all worse is : I didnt ask for this. I dont actually want to be a BBVA customer, but, until my accounts are unlocked, I cant even close them down and move my money to a competent bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: U.S. BANCORP
State: AR
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:
the following hard inquiries are fraudulent.XXXX XXXX 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