BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I purchased concert tickets last year XX/XX/2020 for a concert in XX/XX/2020 ( XXXX XXXX XXXX ) {$430.00}. Due to Covid the concert was postponed for XX/XX/2020. I called after and asked about a refund and they kept saying the concert was postponed ( no date ). I then disputed with my bank Wells Fargo, they did the credit back until investigating then took it back out of my account. Said I did not send them any documents. Ok, I submit another claim just XXXXwo weeks ago and again they say my claim is closed and they will take the {$430.00} out again. I called XXXX XXXX XXXX XXXX XXXX # and no answer. So now I want to close my accounts with Wells Fargo ( 25 ) years! This concert will not happen. The promoters have our money. I dont thing Wells Fargo even investigated.

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 2021-10-13
Company: Collins & Hilton Asset Group, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Years back, I brought a car from XXXX XXXX, XXXX, located atXXXX XXXX XXXX, XXXX, NY XXXX. The vehicle was financed through XXXX XXXX, XXXX was found to be a predatory lender, and I was part of a complaint filed against them in 2016. XXXX still has outstanding complaints with the XXXX. I was told by XXXX and sent a letter stating that the lone was canceled and that the information would be removed from my credit report, and it was. About two years later, I got a call from someone at Collins Asset Group , Llc, located at XXXX XXXX, XXXX, TX XXXX XXXX When I explained to them that the debt was with XXXX and that the lone had been canceled and I informed them of the ruling, I didn't hear from them. Later I found out Collins Asset Group , Llc reported me the credit agencies. When I contacted a lawyer, I was informed that XXXX XXXX went out of business and that the statute of limitations had run out to collect on this debt. Given all this information, Collins Asset Group , Llc, is still pursuing this debt, and I have written many times asking them to remove the false information from my credit profile. And in a recent phone call, Collins Asset Group , Llc did not inform me that the statute of limitations had run out to collect on this debt and instead tried to get me to agree to a payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX. XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : 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 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 2018-10-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
My claim number XXXX  has been recently closed. I have made numerous calls to XXXX XXXX and One Main Financial in XXXX XXXX, IL where I spoke to the manager XXXX regarding this matter to obtain clarification. I was advised that XXXX XXXX was not receiving records from my current doctor, XXXX XXXX, in order to prove that I asked the doctor for the medical records I had XXXX on a three way call with my doctors office and they intern told XXXX that the records requested had been sent. 

On XX/XX/XXXX, I received a call from XXXX at One Main Financial in XXXX XXXX, IL., in which he stated my bill still had not been paid. I called XXXX XXXX again and was advised that the information they were requesting was from XXXX XXXX   which is a doctor I had not seen since XX/XX/XXXX. Prior to this date XXXX XXXX supplied all medical information to XXXX XXXX and my claims were paid, in addition from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX paid my claims while under the care of XXXX. 

While speaking to the XXXX XXXX representative regarding my claim she advised me that she could not tell me what XXXX XXXX needed from XXXX. I was confounded by this statement, because if you are requesting my medical information from a doctor I no longer see I should have a right to know what medical information you are requesting. I asked could the information be sent to my attorney and maybe she could ask XXXX , XXXX to supply the information to XXXX XXXX. I was advised that the attorney does not have a right to know what we ( XXXX XXXX ) are asking a doctor whose care I am no longer under. 

In lieu of this matter I had the attorney fax XXXX XXXX  my medical records from XXXX XXXX I am uncertain what information your company is looking for but I paid a premium for their XXXX insurance, I am off work on XXXX and have been since XX/XX/XXXX, XXXX XXXX XXXX has paid my claims and I am appealing your denial of my claim and ask that you re-instate my payments to One Main Financial. 

From the local office i receive up to 10-15 calls a day, XXXX XXXX and One Main both companies are aware I am on XXXX, this harassment is causing me more health issues. I don't have the money to pay the bill which is why i purchased the XXXX insurance. I have not been presented with an appeal process or any facts of why my case was closed. 

I am trying to save and borrow money to pay the bill or pay something on the bill but the amount One Main stated I could pay was denied 4 days after I agreed to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Delta Skymiles Credit Card with American Express in XX/XX/XXXX.  A promotion was offered of XXXX Skymiles upon using the credit card for {$1000.00} in purchases which was achieved in XX/XX/XXXX. 

It was discovered in XX/XX/XXXX that Am Exp issued a second Skymiles account for me ( in addition to one that Delta already issued ), and Am Exp merged the Skymiles account at the end of XXXX in order the the bonus of XXXX miles to be awarded properly. 

Am Exp is now telling me that I the problem getting the XXXX Skymiles is a problem with Delta, not with Am Exp. I can not get Delta on the phone ( over 2 hour wait for a call back, and they never call back ). It seems to me that if Am Exp is a partner with Delta, they should be able to work out whatever process issue they are  having to get the XXXX mile awarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
A company did a hard inquiry that i did not authorize. The date listed is XX/XX/2018

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 2018-10-26
Company: HW Holding, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would linke to request that HUNTER WARFIELD verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law.

If HUNTER WARFIELD is unable to provide the above identifying account information, this account must be deleted from all CRAs. HUNTER WARFIELD also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

I've spoken with them numerous times about the validation of this debt. They've provided me with documentation that doesn't prove what debt is owed. Also, my signature is not on any of the paperwork. I never received any notices from this company. I didn't know I owed this debt until it showed up on my credit report. Please remove from my credit report immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
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:
THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Westlake Services, LLC
State: VI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I know nothing about this loan. I never bought this car or made any payments. This is not my doing, I have no knowledge of this loan. My identity was stolen this account doesnt belong to me.

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 2019-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance Corp. has reported to the 3 credit bureaus -XXXX XXXX XXXX and XXXX  that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.

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 2020-09-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I had a loan with XXXX finance, and the loan was transferred to Carrington Mortgage on XX/XX/XXXX. XXXX stated that they had done a yearly analysis on our loan. Later between XXXX and XXXX Carrington did another analysis on XX/XX/XXXX and we were told that our mortgage went up to XXXX for the month between XXXX and XXXX. During this change with the analysis, Carrington told us that we were going to be short in our escrow and they would take our mortgage up to over XXXX dollars. We paid the difference within our escrow and they so that our mortgage wouldn't go up, but they manage to up the mortgage to the above amount and they did another analysis for the month of XXXX for our XXXX statement was XXXX. I called the customer service line and she stated that that was the wrong amount. The amount due was XXXX on XX/XX/XXXX. For the month of XXXX XXXX, they change the address where the payments are normally sent and they did not tell us. They sent us information that they did not receive payment for the month of XXXX. I called the company and one of the staff on XX/XX/XXXX, a staff stated that the address had been changed and he apologized. We had an extra XXXX cents going curtailed, going towards the principal, and now they are trying to add the money in the payment charging us XXXX on XX/XX/XXXX. The statements they send to us and the information on the account doesn't match. We have been having problems with this company since we got our account transferred over to them. The statements don't match what they have within their computer, which is confusing. We don't know what to expect from this company when we get our mortgage statements each month. On our XX/XX/XXXX statement on the back of the statement, they got XXXX information which doesn't tell us the most accurate transaction that took place in XXXX. It's confusing dealing with a company giving us conflicting information on our mortgage statements. They tried to charge us late fees because the payment in XXXX was sent to the address given to us and the payment was sent on time. However, they had changed their address, which caused them to get the payment but they stated that it wasn't received. They had changed their address and another payment was sent to them. We don't know what happened to the first payment sent to the address they gave us on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: REGIONS FINANCIAL CORPORATION
State: MS
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:
I made a purchase and did not recieve services for what i paid. I contacted the credit card company regions bank but they did not resolve it.

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 2019-06-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Equifax report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ). Dispute reason : remove this account because the Status updated date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done. Status updated date didn't change/updated even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status updated date didn't change/updated to be a current updated date as per FCRA. 
It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ),  XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation After what is known as an investigation that was conducted and completed by the CRA, Equifax report still shows the Status updated date didn't change/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was signed out of my mobile app and when I attempted to sign back into my account it says my phone is not a trusted device. I then start the verification process to log back into my account and when I type in the sms code provided to me it says " Invalid code ''. I am currently still unable to log into my account which I was logged out of from without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Byrider Franchising, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have filed complaints against this company in the past. I demanded them to cease and desist " Payment Reminder '' calls and any contact whatsoever unless the payments are behind. I have called many times to demand removal from Auto Reminder for payment calls. After speaking with the company XXXX today, the agent stated it is ( has been ) noted in my account NOT TO CALL, TEXT, OR EMAIL me for any reason other than delinquency. Under the FDCPA I have the right to ask creditors to Cease and Desist yet this company XXXX continues to harass me on the day of payment using auto dialers. I am making this a matter of public record by making this demand formally on the CFPB complaint. No contact at all, XXXX is to CEASE AND DESIST all communications with me unless a payment is late. Future complaints will be through the Attorney General in Indiana. I will not warn them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: GOLD STAR MORTGAGE FINANCIAL
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
lender states that due to covid 19 they need verbal verification of work per their policy. At the time I could not get that from the company I work for with strict policies. I got a written verification for lender but I work from home and they also wanted written verification of working from home status. This is something I could not obtain. After escalating internally with my company I received approval for verbal verification from direct manager. Lender will not take a verbal verification now. Refuses to. Currently 3 days till closing and threatening to not close my loan.

Company response to consumer: Closed with non-monetary relief