BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Wells fargo ( brazen ) abuse of clients, as well as lack of respect for the finical sector, to which such brazen criminal activities, gives this sector a bad name. I Have been having this problem with wells fargo, but it became blatant when I got injured on the job and was placed on XXXX since XXXX. Whenever i pay cash, this money would disappear and they literally tell you the money disappeared and was not applied to my principal. Wells fargo has been trying to take my car from me even though, they have been paid. Here is how brazen, shameless, dishonest, they are : So if on XX/XX/XXXX they stated that amount due to pay off entire loan, was $ XXXX.and payment due date is XX/XX/XXXX. Here they made no mention of payment received on XX/XX/XXXX in the amount of {$360.00} which was paid on XX/XX/XXXX. AT which time the overall balance owed to them, they stated was {$850.00} to pay off /or satisfy total amount due for car loan. 
The XXXX XX/XX/XXXX payment of {$360.00}, should have been subtracted from the total owed of {$850.00}, but was not. Even that {$850.00} is questionable due to their history of dishonesty. Since the XX/XX/XXXX statement of a balance of {$850.00} : The Following payment has been paid by me. 


1. On XX/XX/XXXX : a payment of {$360.00} was made to wellfargo so $ XXXX {$360.00} = {$480.00} 2. On XX/XX/XXXX : A payment of {$300.00} was made to wellfargo So $ XXXX {$300.00} = {$180.00} 3. On XX/XX/XXXX : A Payment of {$400.00} was made to wells fargo So {$180.00} owed, and i paid {$400.00} $ XXXX XXXX [ overpaid by me ] 4. On XXXX XXXX : A payment of {$300.00} was made to Wells Fargo . 
So XXXX = {$510.00} so a total of {$510.00} was overpaid by me unknowingly to wellfargo. I didnt realize I was overpaying because of their dishonesty, Yet they keep coming at me for more money, and if they had there way they would take my car. This is shameful. wells fargo needs to do the right thing. 
stop harassing me and return my {$510.00} .00 I overpaid Send me the necessary paperwork stating my car is fully paid for. 
pay me for the stress they put me though over the years [ well this will nt be worked out here, this part will be dealt with by the right entity. 
Stop!!!! stop sending me harassing statements that i owe them money. 
develop some conscience and integrity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I recently began repairing my credit, while doing this I noticed two paid accounts that I have with XXXX XXXX which were paid off in XX/XX/XXXXare not listed. Also that many names and social security numbers listed in my account were not correct. They promptly removed the incorrect names and social security discrepancies which I am very grateful for. I contacted Experian on Friday XX/XX/XXXX and spoke with customer service to resolve the accounts not being listed at this time they explained that this is because of account maintenance. I told them I understand but would like for them to remove my recent inquiries because this maintenance is the sole reason I have been denied for credit cards and car loans I have recently applied for. I recently became unemployed and this has caused me much trouble. I feel like my credit should be reported correctly as I understand accounts may need maintenance but I should have been notified. I would not apply for anything if that was the case. Thank you for your help.

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 2017-12-23
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXXL ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}XXXX XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 not received any confirmation on how you have verified the alleged unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account on XX/XX/XXXX and there should be two welcome bonuses, totalling {$700.00}. I have not yet received any of that. I believe that I have met the requirement for that bonus. 

I contacted the banker who opened my account, XXXX XXXX, three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). XXXX promised to investigate and get back to me by the end of the day during the second contact, which never happened. XXXX has not responded to my follow up email on XX/XX/XXXX and it has been 20 days since the initial inquiry.

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 2019-04-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been emailing, calling and filing disputes with XXXX XXXX and Equifax & XXXX since XX/XX/2019 and submitted documents from Bankruptcy Attorney and problem is still not fixed. Mortgage is being reported as included in Bankruptcy which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: Chime Financial Inc
State: OH
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/2021 a friend I thought I could trust who I was previous paying for rides I stepped out the car and got back in to notice my phone was stolen. The person pretended to help me look for my phone to discover the next morning he had my phone and transferred all my money out my savings chime account to his account. I found out he had it when I got to the phone store the next morning to buy a new phone to realize all my money was stolen out my savings account ti his. I instantly filed a police report where he currently still has a warrant out for his arrest. I disputed the claim provided information with detective as well as the case number as well as recepit buying new phone at store.chime bank denied me 3x times of sending my money back The person stole XXXX $ out my savings I have struggled tremendously from this incident even suffered with lights being off in home because I couldnt pay my utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was part of the data beach with Equifax. I was never notified nor did they tell me this. They put a freeze on my account and are now telling me I have to pay to send in papers to get into info. I can not apply for XXXX until the freeze is lifted and they wont lift freeze until I pay XXXX to fax the papers. I did nothing wrong and they are acting like they are the victim. I have been on the phone since XXXX trying to rectify the situation to no avail. Why is the victim being made to pay for the mistake they made. I have been married for 3.5 years name is changed legally and they still have maiden name on account as well as have items on report from XXXX XXXX that has the wrong last name on it. I have not lived at address on their file for 5 years. They will not give me a copy of credit report until I the victim pay to send in info they are requesting but refuse to ask any security questions like XXXX  did to change my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My checking account with JP Morgan Chase was closed in XX/XX/2019 due to fraud that was not fault. My account had been hacked and a fake check had been mobile deposited to my account via their Chase mobile app. After escalating and calling Chase 's fraud department and resolving the issues and closing that account I was told by mutiple internal Chase representatives that I would be able to open another account with them with no issues. I was told wrong because after going in to not one but two local Chase Banks in person to open a new account, I was refused to open an a new checking account with Chase with the reasoning being that Chase ended our banking relationship. I was not notified nor did I receive anything from Chase in the mail regarding this issue. I am still extremely confused and upset regarding this whole dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I opened a Macy 's credit card about 7-8 years ago and I never missed a payment. It has not been almost 10 years and they are still stating that I missed or was late on a payment. I have asked for this to be removed several times and they will not. I have disputed many many times with the credit bureaus but they do nothing.

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 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2019-08-14
Company: Southern Financial Systems, Inc.
State: MS
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:
XXXX  refuses to remove fraudulent items off my credit. I tried disputing items online it want allow me to do so or by phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new truck, a XXXX  XXXX XXXX. The vehicle is finance through BBVA. The first payment was made by check in XX/XX/2020. I then set it up to pay through my bank. Unfortunately, I entered the wrong account number ( XXXX ) when I set up the payment thru the bank. The bank ( XXXX XXXX XXXX XXXX XXXX ) sent the payment for XX/XX/2020 to the wrong account number. The correct account number is XXXX. I was notified by BBVA that my account was past due and that is when I discovered the wrong account number. In a conference call with XXXX and BBVA, it was confirmed that the XXXX payment did go to BBVA and was never returned to XXXX. We have been attempting to get the {$510.00} applied to my account ever since. Numerous times I have been told by BBVA that they will find the payment and apply it to my account. Also, the late fees that have been applied to my account will be taken off. Nothing has been done as of today and my frustration level is high. I don't understand why BBVA can not locate the payment that went to account XXXX. They received it and it has to be on their files somewhere. Can you please help me with this ongoing nightmare??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I refer to the CONDITIONAL ACCEPTANCE package dated on XX/XX/2019, Certified Mail XXXX XXXX XXXX XXXX XXXX requesting original WET INK contract from Convergent Outsourcing. Please be advised that Convergent Outsourcing did not answer my requests point by point as required by law. 
Convergent Outsourcing did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 
Convergent Outsourcing did not stipulate whether or not you were the holder in due course. 
Convergent Outsourcing did not stipulate whether this loan was securitized as required by law.

Therefore, Convergent Outsourcing admits to the following : 1. Convergent Outsourcing is not a real party of interest in this controversy.

2. Convergent Outsourcing are a debt collector and not the original creditor.

3. Convergent Outsourcing not having full and complete records of the alleged account. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with Home Point Financial and have been trying to get my escrow account corrected and overpayments refunded.. I am a XXXX XXXX XXXX veteran and exempt from property taxes. Home Point Mortgage continues to bill me excessive amounts which include property taxes. After many attempts to contact them and have this corrected and get refunds for the amounts over billed they are refusing to correct the issue and continue to bill me. They have also applied escrow payments to my monthly payments instead of escrow as clearly noted on my checks. I am in need of refunds for the excess I have been forced to pay. I have also requested a reconciliation report of the escrow funds and Home Point Financial will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SENT OUT DISPUTE LETTERS TO THIS COMPANY ( NCA ), I HAVEN'T RECEIVED A VALIDATION LETTER. IT'S BEEN THIRTY ONE DAYS. IF THEY COULDN'T PROVIDE ME WITH THE INFORMATION I ASKED FOR ; I REQUESTED FOR DELETION IMMEDIATELY. PLUS THIRD PARTYS SHOULD HAVE MY PERSONAL/NONPUBLIC INFORMATION IF THERE ISN'T NO CONTRACT BETWEEN ME AND ( NATIONAL CREDIT ADJUSTERS ) PLEASE SEE ATTACHED INFORMATION ON : SUBCHAPTER 1-DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION AND RECEIPT OF CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}

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