BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased this used vehicle around XX/XX/XXXX. I asked if there were any recalls or problems with the history of this vehicle and was given a report saying there were no issues. In XX/XX/XXXX I was notified by XXXX that my vehicle was included in the XXXX Airbag Recall and needed to have both airbags repaired. I took the vehicle in and they supposedly repaired the driver side only. The parts for the passenger side were not available and was told I had to wait.  I contacted XXXX   asking about the status of the repair and was told the parts were still not ready and I just had to wait. I just received another notice from XXXX in XX/XX/XXXX saying the parts were still not available, would not be ready until XX/XX/XXXX, and not to allow anyone to sit in the passenger seat until they were repaired. I have been in contact with the local XXXX dealer, XXXX XXXX XXXX, and the lender wells fargo all during the week of XX/XX/XXXX, last communication was with wells fargo today, XX/XX/XXXX. All of them are refusing to help in any way with the situation. Wells Fargo previously denied a request for refinance! The airbags are dangerous and can cause serious injury and death and are not getting fixed nor will they. According to my research they do not have a permanent fix and will not know if they will ever have one resulting in the airbags not getting repaired properly and will still pose a threat of injury and death. The recalls will continue. I still have XXXX left on the loan and have been paying for a car that could kill me or my family. I cant even trade in this vehicle now because since it's on the recall list dealers cant sell it until they airbags are fixed. So both XXXX and wells fargo want me to keep and pay for a vehicle that now has lost even more value due to the recall and could ultimately kill someone! Attached is the letter from XXXX clearly stating the airbags can cause serious injury and death and notes taken from a class action lawsuit from an attorney!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: CITIZENS FINANCIAL GROUP, 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: Problem with personal statement of dispute

Complaint:
In XXXX I received notice from credit monitoring that Citizens Bank reported me 30 days late for a direct deduction of loan payment from my personal account. I immediately called customer service, and explained that although the account in question ( XXXX XXXX XXXX ) did not have adequate funds, I had several others from which it could have been drawn, and would have expected a notice that there was a problem before being reported ; I was told to submit an inquiry to the credit department, and I would hear back in 30 days.I did, and never heard back. Most recently I send an inquiry to XXXX XXXX at Citizens, and have not heard from him either. 
I have been with the bank with no issues for over 20 years ; every other bank or loan co notifies me if there is an issue with a payment of any kind. Citizen bank did not notify me at all, and this could have easily been taken care of without damaging my credit without prior notice. I would ask that they remove the derogatory posting, for not following normal notification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX XXXX I went up to my local Bank of America in XXXX XXXX, NV. I received a {$3400.00} check as an assistant for a job I applied for. I tell the bank teller I have a check I want to deposit. I also tell them I DO NOT want to withdraw any money from my checking or savings account. I can wait, just this check specifically once it 's verified and becomes available. I then proceed to ask the teller how long does it usually take. He responds sometimes it depends, sometimes a few hours or a few days. Towards the end of the transaction the bank teller tells me everything is all good I can actually withdraw that check right now. I proceed to do so and was under the impression that the check was good and I was performing my job. It turns out the job was a scam and they used me to buy gift cards and send to their email. 

I saw an alert on XXXX XXXX XXXX that my account balance was below {$25.00}. To find out that check I withdrew on Saturday was not good in fact. I got the bank of america to retain my account back for a few days and they proceeded to remove the {$3400.00} from my account again on XXXX XXXX. XXXX. I spoke to the fraud/claims dpmt., banker at my local BOA and was denied any claims for my {$3400.00} loss. 

My complaint is that I was misinformed greatly about the check being approved. Which led to this {$3400.00} loss. I would not have proceeded with a {$3400.00} withdrawal if it was revealed accurately that the check was indeed bad. This misfortune could have been prevented if Bank of America did their job correctly and only gave me access once that check cleared like I requested.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX card. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak XXXX but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines

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 2019-09-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
On XX/XX/XXXX XXXX i called midland and I simply advised them I had experienced a financial hardship and Im unable to pay due to being out of work for medical reason. I saw on their website they agree the cease all collections if you experience certain hardships. Ive also wrote this company and havent gotten any feedback and this collections is hurting my score. I would like for the collection to be DELETED FROM ALL 3 credit bureaus due to my hardship. The account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed out a letter requesting verification and a notice was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I will attach the letter below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my SECOND complaint about SYNCHRONY BANK. SYNCHRONY BANK continues to violate my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. SYNCHRONY BANK has been harassing me and claims I owe a debt that is NOT mine to pay. I filed an FTC identity theft report and sent an Affidavit of Truth to SYNCHRONY BANK stating what violations they have violated with proof- sent on XX/XX/XXXX. ( attached ) It was sent via certified mail and I received the green return slip on XX/XX/XXXX letting me know it was in the hands of the XXXX of SYNCHRONY BANK. ( attached ) I had not heard from them, but noticed that the account was still open and with a different account number. With that, I filed my first CFPB complaint on XX/XX/XXXX. 

SYNCHRONY BANK finally responded XX/XX/XXXX. ( attached ) They declined signing my Affidavit of Truth and claimed that they " validated the debt because payments were made ''. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. Moreover, their " evidence of " proof '' in attempt to validate the debt is in violation of 15 USC 1692h- which was a violation stated in the Affidavit of Truth sent to them.

They continue to perform identity theft acting as if they are the Original Creditor. This is incorrect pursuant to 15 USC 1602 ( g ). I am the Original Creditor and my social security number issued credit, not them. This also violates 15 USC 1692e ( 2 ) and 15 USC 1692e ( 7 ). 

As mentioned briefly above, SYNCHRONY BANK proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. This is a violation of 15 USC 1602p. My account number changed from ending in XXXX to ending in XXXX. ( attached ) Furthermore, I did not apply or sign for the card with this account number, therefore I am not to be legally held to the contract. 

SYNCHRONY BANK continues to harass me sending emails to pay a debt that I don't owe. ( attached ) violating 15 USC 1692j, 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( e ) ( 2 ) ( a ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ), and 15 USC 1692e ( 7 ) ( most already stated in the Affidavit of Truth they've already received. ). 

This is completely unlawful and abusive. I have provided all proof needed and have done all steps needed via the federal law and SYNCHRONY BANK is still breaking FEDERAL laws pursuant to the FDCPA.

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 2019-09-23
Company: SUNTRUST BANKS, INC.
State: TX
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 sent in a cashiers check over a week ago and it's been confirmed received and they still havent updates my account and still charging me daily interest. This is causing financial harm and totally illegal. I need them to credit my cashiers check to reflect payment in full and manually updated the 3 credit reporting agencies to show the account is XXXX balance and paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX yr. old XXXX XXXX and a terrible thing happened to me. I was sent some money from a friend through XXXX on XX/XX/2021, but never received it. I then went on my computer to look up XXXX when a XXXX XXXX ( phone # XXXX XXXX XXXX ) who said he was from XXXX and would get my money to me if I verified who I was. He had me go on XXXX website with XXXX and XXXX my license and email as verification. 
The next day I went on my app sites as I do every morning and when I got to Chase Bank app I was horrified. Someone had transferred {$10000.00} out of my account ( {$9900.00} + {$25.00} transfer fee ) to someone I did not know. It was definitely an unauthorized transfer. I immediately went to my Chase local branch and reported this. They changed my account number and said I would get my money back. Then Chase 's XXXX section emailed me and said I could not get my money back. 
I then went to the NYPD whose detectives felt a crime was committed by the above person on me, took a report and gave me a report #. I need my money back. It is social security and pension to live in an Assisted Living Facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I did invest some money with Kraken.com. I tried to log in and I could n't. My account was temporarily disabled now. I tried to contact them.I sent them more than 7 emails by now. It 's been more than 2 days now. They do n't even get back to me. I did inform them that If I do n't have an answer by today I will submit a complaint to CFPB. I just need my account activated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX submitting this CFPB complaint requesting the removal of the disputed account and information from my Credit File. It appears that my Credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: LEXISNEXIS
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:
I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The current company representative says that I was mailed an escrow statement giving me the option to pay the difference or have my payment raised in XX/XX/2021. I only found out about the escrow analysis when I called about the amount due showing on my current bill that is due XXXX, which I received XXXX. I called the company ( 4 ) four times on XXXX. I was finally emailed a copy of the escrow analysis XXXX, I was not given the option to pay the escrow shortage and keep my monthly payment the same. Since I was not given the option, I have no idea what my monthly payment would be, if I had been given the option. I spoke with XXXX, XXXX, XXXX XXXX, and unnamed female that informed that I could not receive and updated bill for XXXX. I was not given the option to pay the escrow shortage and not have my payment altered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief