BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request EQUIFAX the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX  - XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} NXXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00} Original creditor : XXXX Balance {$93.00} Original creditor : XXXX Balance {$1100.00} Original creditor : XXXX Balance {$1000.00} Original creditor : XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my Chase checking account and the funds in my account was sent XX/XX/22. I was advised to wait XXXX business days. As of today XX/XX/22 no one can advise where my funds are. Ive made XXXX attempts and was told different stories. One said the funds where withdrawn from the bank on the XXXX of XXXX. I have not been to the bank until today when a representative advised I go and fill out a form and have it notarized. I went to Chase bank at XXXX XXXX Fl and the manager said he was too busy and he would call me in an hour. Its now been XXXX hours and no call. I just want MY money that was on my closed checking account. Please send me my funds. Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about?
1 ) Failure to communicate 2 ) Failure to provide monthly statements 3 ) Only Option provided, Deed in Lieu of Foreclosure Step 2 : What type of problem are you having?
Understanding why Account Audits are declined Understanding why there are so many different pay-off amounts Understanding why Wells Fargos ultimate goal is to create homeless veterans Step 3 : What happened?
Filed Ch XXXX to strip 150K Equity Line that Wells Fargo deposited into my account without consent. During the Plan Well Fargo petitioned to have pre-petition arrears paid. I agreed because I wanted to do the right thing and whatever I could to keep my home. It was at this point my Bankruptcy Payment tripled, I was no longer receiving statements nor would Wells Fargo answer any questions, only to 1 ) Refer me to their attorney in Alabama [ I think ] and I advised my attorney, 2 ) I 'm no longer eligible for a monthly statement due to bankruptcy.
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It was at this point [ XXXX 2016 ] that I discovered that Wells Fargo would only send statements to my attorney and he didnt know they refused to speak to me or send me statements. It took several months to convince Wells Fargo that I should be received a statement. Only after we decided to go back to court, that I personally started receiving statements. This was when I discovered that I had accumulated are large arrears.
<P/>
Step 4 : What company is this complaint about?
Wells Fargo Home Loans Step 5 : Who are the people involved?
My Representatives that are trying their best to help me keep my home XXXX XXXX, Bankruptcy Attorney XXXX XXXX, Mortgage Professional [ 40+ yrs exp ] XXXX XXXX , Real Estate Professional [ My advisor for 20+ yrs ] Wells Fargo many & various, currently XXXX XXXX XXXX ext XXXX. Normally hang up after 15 rings but when I can leave repeated messages they have proven futile.

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 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX made pmt for {$250.00} using my mobile app that I use every month XX/XX/XXXX made a payment for {$270.00} using mobile app as well. The payment for XX/XX/XXXX was never applied to my account just the payment XX/XX/XXXX was applied correctly. Called Capt one and they issued a temporary credit while they investigated. I get a letter stating they need proof from bank of transactions. To which I fax my bank statement received directly from my bank. ( the printed out and showed both payments dates amounts and to whom they were paid/capital one ). I call to confirm received as well as have a fax submission with their info that shows successfully faxed XX/XX/2019. Then I get another letter stating they are removing temporary credit because they didnt receive said requested info. I call capt one again and speak with emp # XXXX XXXX ( not very nicely per my frustration of having to fix their error ). He continues to offer no assistance on what else I can provide as proof and states what they received is not valid and they are closing the dispute. I have had my Cabelas card for more than 8 years and never had one issue until her recently when capital one took over as card services for Cabelas club cards. I want resolve and Capital one just wants to steal peoples money and not fix issues they caused, even after proof received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove the late payment from my credit reports. I have always paid on time and due to Covid, I only had one 30 day late payment in XX/XX/2020 to occur on my credit report for this account. I am trying to get an auto loan and it is creating a major hardship for me The late payment was told to me by your company that it would be deleted but it wasn't. I would really appreciate it, if it's done soon as possible. 

Thanks.

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 2022-03-04
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust/Truist locked my account about 5 weeks ago ( XX/XX/2022 ). I have been calling back and forth with suntrust/Truist customer service ( almost everyday until today ) as well as my local branch and spending literal hours on hold to see why my account has been locked and have just been forwarded to the next agent multiple times with little to no answer. I reached out on twitter and they stated that they would call me back only after I threatened legal action. I wanted to close my account and have my money wired to my new banking institution. I was on the phone for over an hour this evening and was told by the representative that there is no record of a check being issued and mailed to me when I was told that after calling two weeks prior. I still have been left in the dark and have no idea where my funds are and why my account is locked

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 2019-06-21
Company: Navient Solutions, LLC.
State: SC
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 have now tried on multiple occasions to reach out to NAVIENT and work with them in regards to this issue, and have had no success. First things first, I had loans through them apparently from when I was attending school. I wasn't aware of this, and every other loan I had taken out made it a point to contact me and have been receiving their money since day of contact. NAVIENT on the other hand informed me that I was enrolled for " paperless '' and that they only ever tried to contact me through an email address I no longer had access to for the past few years. After this information was given to me, I submitted a report and got the information back that they had apparently tried to call my mother and I 's cell phones as well, and left us many messages. When I called about the account because I saw the defaults on my credit report, they told me they only ever tried to email me, and never mentioned anything about call attempts. That whole conversation was recorded via their system, and now I am being told that they tried to call/left voicemails also? They had the right home address, and phone numbers for my mother and I, so had this been the case we would've went and paid the payment on it immediately. If possible, I would like the dates/times NAVIENT had tried to reach out to me, because her and I both have absolutely no records from this. Sallie Mae on the other hand left us a voicemail and was paid that same week. Since this report has happened on my credit report, I can't finance or pay for anything even though I make a good income, and have had outstanding credit until this point. As I stated before I even tried to backpay what was owed, and they let me know the forbearance should be taking this off within a week, and it is over a month later. On every attempt I make to contact them, I get more and more false information, and don't want to consult legal help but I will. The people that I talked to said to try and pursue this avenue before heading that direction, but at this point it seems like I have no choice but to go this path. I can not reiterate enough that I have made every effort to work this out through them, but at this point it is costing me a multitude of different purchases/experiences that I can no longer prolong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: LEXISNEXIS
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:
I have a case of identity theft. I have had this since XXXX. This person ( female ) uses a XXXX  ID, XXXX ID and has a copy of my social security card. This person has taken out many loans, credit cards and purchased cars under my name. This person has taken mail out my box and cashed checks mailed to me. I have a claim with USPS. And IRS sent another check. Its all on my credit report. 

Since XXXX I have been unable to work in a full time status and now I cant work. So, the fraudster is stating a large income to succeed at obtaining these loans and material objects. And its affecting my need for social services o need to live.

My banking was hacked 3 times in 6 months in XXXX. I had to cancel all account and use debit cards I manually turn on/off when using. 

I get countless calls about these fraudulent accounts. I want it to stop. The harassment is causing XXXX XXXXXXXX and more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a Comenity Bank credit card account through strong promotion of a XXXX XXXX agent. It has the name of " XXXX XXXX XXXX XXXX XXXX ''. XXXX charged the card for a XXXX membership fee without my preauthorization when I was traveling overseas between XX/XX/XXXX-XX/XX/XXXX. I did not realize XXXX XXXX had made this unauthorized charge until I received a phone call from a bank agent because they did not receive payment for the charge I was not aware of. I contacted XXXX according to the instruction of the bank agent. XXXX agreed to refund the membership fee they illegitamently charged ( reference number XXXX ). I closed the Comenity Bank credit card account immediately after I talked the the first bank agent because I did not want any more unauthorized charges nor related late fees. However, the late fees from the bank kept on accumulating even after XXXX refunded the membership fee and the credit card closed. What was more troublesome was that the bank would not stop making harrassing phone calls. The callers never seemed to understand the matter they were calling about and were not interested in listening to my explanation. <P/><P/>1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: LA
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. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX BANK Account # XXXX XXXX Account # 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 2017-11-10
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues. 
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked. 
I have erased the days other then the two stated since I did n't plan on filing a complaint until today. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Coinbase, Inc.
State: CT
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 using this application that you can buy/sell XXXX on called coinbase. For some reason I coinbase closed my account on XXXX/XXXX/XXXX, I was doing nothing wrong and coinbase can confirm that by viewing my account. I contact them that same day by phone but the rep was not able to help me at all. So I sent an email to support instead, I received the generic we will get back to you email and I have waited 5 days without a response on this. No one is able to explain why my account was closed in the first place, as well as me not being able to log into my account to get the few dollars I still have in my account with coinbase. I emailed them every day this week in hopes that someone can help me but I still have no response. 

My case number is # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a Loan with Wells Fargo and was issued a Rejection Letter on the grounds the Load Department ( underwriter ) had no copy of my Credit Report and yet another Letter, printed a day before the Rejection Letter, clearly indicated a Credit Report was pulled the day prior, which Credit Report obviously was not matched up with the Loan Department. My credit is " excellent '' per the Three Bureau Reporting agencies provided by XXXX ( no collection, high score, no late payments, no judgement, exc, all directed to a good solid Credit History as far back as the records record ). 
A request for reconsideration on these grounds was issued to the Branch, but as to date, no answer. I am XXXX XXXX XXXX next 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 2018-06-04
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Westlake Services, LLC
State: TX
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:
Westlake Services repossessed a vehicle financed through there company. However the company is now showing on my credit report that they are owed {$7300.00} that much wasn't owed on the vehicle at the time it was repossessed.

Westlake Services has caused irreparable harm to myself and my family by using these illegal and immoral actions to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Do Not Owe this debt this account is not mine I want it deleted From My credit Reprt before I take court action against the company and or original creditor as it would be there obligation in court to Show they are owed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: RFNA, LP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX I received a call from my brother informing me He recieved a call from XXXX XXXX requesting that I contact them. I called them immediately and spoke with XXXX the branch Manager. I let him know I was extremely disturbed by them contacting my brother getting him involved in my business especially when the payment was only about10 days late. He proceeded to inform me I was late on my payment and wanted payment today. I explained I was not able to pay today and he demanded it must be paid by XXXX XXXX. On XXXX XXXX XXXX the branch Manager contacted me and I told him I was not able to pay it today and his response was " we don't want your business as you are always a few weeks late on your payments. You need to go to XXXX XXXX XXXX and get the money to pay off your account ". I was shocked when I heard this. On Monday XXXX XXXX I went to the office to meet XXXX and when we met I let him know I felt like he owed me an apology for treating me so disrespectful. He responded rudely and arrogantly stating we expect people to pay their bills on time. I have never been treated so disrespectful by a company that I am doing business with. He did his best to make me feel like a low life bum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have sent 20 Credit Dispute Letters to XXXX and XXXX4 Credit Dispute Letters to TransUnion regarding inaccurate information on their credit reports regarding XXXX XXXX Bank and they have refused to conduct an independent investigation to delete the inaccuracies. 

I have only received 31 letters from XXXX XXXX Bank stating, " In your correspondence, you did not indicate what specific information you were disputing or requesting to verify. '' That is a verifiable false statement just by reviewing the attached 34 credit dispute letters.

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