BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My problem started last year i started having problems paying my car but i felt like i was in constant contact with Wells Fargo dealer services to let them know of my situation. In XXXX i called the local branch which i was told was located in XXXX, Ca and made a payment and notified i would be calling back in XXXX to make a payment. XXXX came around and i knew that i was still struggling financially so i would not be able to make a payment. I called again the number to the local XXXX branch and told them i would not be able to make a payment u til end of XXXX. They said that was fine. Woke up on XX/XX/XXXX and found my car was gone. I called 2 times and spoke with two agents who were the most unhelpful people ever one of them even told me i needed to listen and at first refused to get me a supervisor. I finally got a hold of a supervisor who gave me some information but told me he could not help me that i would have to call again on Monday XX/XX/XXXX. I called Monday morning and the person has no idea what Im calling for and I the consumer have to tell him who to transfer me to. I finally speak with someone who says they have no information. I am them transferred to the presidents office to file a complaint which i did and i told them my whole story plus some additional concerns i had with the repo of the car. They say great someone will review and call you back within 10 days but you can call tomorrow about your car. I called Tuesday XX/XX/XXXX and they had no information yet. I called Wednesday XX/XX/XXXX and they finally have information but now are telling me my car is being transferred to another location. At this point i ask to only speak with the person handling my complaint. I am told she is in the office so i leave a message asking her to follow up right away. Thursday XX/XX/XXXX comes and i still have not heard back around XXXX pst so i call and am told she is not answering but transferred to a man named XXXX who provides some help but again not much as far as a resolution at this time i ask why it was repo after i made arrangements and am told they have no notes about that conversation or that part of my concern. I finally hear back i friday XXXX from the person handling my claim and again am told they have no record of my arrangements with them. My car should have never been repossessed or they should hve told me in XXXX. They claim they couldnt make any co tact with me but i have one voicemail in XXXX which is what prompted me to call and make those arrangements. They claim they have everything documented yet no one seems to know why i am calling and every person you speak with gives you different information. This has been a horrible experience and the entire company needs better training

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 2019-08-30
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I started receiving mail and phone calls from LVNV Funding about a debt from XXXX XXXX for {$1000.00}. I disputed this information several times in writing telling them I dont owe this debt and to send me verification or delete this information off my credit report. LVNV keep sending me a bill as valid reason for them to report this fraudulent information on my credit report. In XXXX I starting receiving more calls and mail about this debt, this time it was Resurgent Capital Services, telling me I need to pay them because it was in pre legal status and I am getting sued. They called several times a day, interrupting me while I was at work. I disputed with them as well but received mail correspondence from LVNV with yet another bill as verification. In XX/XX/XXXX, I started to receive mail and calls from now XXXX XXXX XXXX about this same debt. I have been getting harnessed by LVNV and its related companies for months about a debt that isnt mine. LVNV couldnt provide me with a contract with a signature like I requested so I am being attacked by 3 different companies about the same debt that is hurting my credit file and coasting me additional money. On XX/XX/XXXX, I decide to call Resurgent and resolve this debt because of the damage it is doing to my credit. I explained to the representative that this wasnt my debt however I wish to resolve it. I asked about a settlement and they offered 20 %, I said that was too much. The representative pulled my credit without my permission and told me I could afford it and quoted every credit card as well as my children names off my credit report. She told me my credit lines and who I was an authorized user on what card and everything. I dont feel its fair that LVNV Funding is allowed to report fraudulent unverified information on my credit file. I dont feel that LVNV Funding should be allowed to harass me through all of their different companies for the same debt. I dont feel as the representative had a right to access my credit file without my permission and tell me that I can afford to pay a debt that I told her I wasnt capable of paying in full. I was treated very badly and I feel my privacy has been invaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I sent a certified letter to XXXX, Experian and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX  saying they will not investigate my disputes.

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 2021-09-19
Company: AMERICAN EXPRESS COMPANY
State: NV
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 purchased a merchandise on XX/XX/2021 and the item was never delivered to me. By Federal law they are to provide proof of delivery by providing a copy of the Form 4473 and the last line of that for is supposed to have my signature that I picked up my item. all they are providing is a credit card receipt. I explained the to American Express several times but they seem to have a problem understanding me. I do not know where my item is. I stopped contacted the store because I was not getting any answers. I need my money returned. I should not have to pay for something that was never delivered to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 2 accounts at JP Morgan Chase Bank. On or about XX/XX/XXXX, I filed a claim on my Debit transactions for the over charges of a merchant. The merchant XXXXpproved cash advance debit transactions but they were processed credit transaction which I was charged more higher fees. Chase accepted my claim and I was temporarily given refunds. On or XX/XX/XXXX, I had direct deposits ( DOL {$5000.00} ). We tried to make withdrawals but the bank system would not allow us. I scheduled bills payment on the same date but they were all rejected by the Chase bank. I contacted Chase bank and I was told as of XX/XX/XXXX, all our accounts were all restricted and closing sooner due to excessive claims I made. I was told that I was no longer have any relationship with Chase bank. 
On or about XX/XX/XXXX, I had direct deposits ( SSA {$1700.00} ), again Chase bank will not allow me access my accounts including withdrawals at the branch office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
XXXX - complaints - Is Closed but not resolved. 

I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the one year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year I got a couple of alerts from XXXX indicating Commonwealth Financial was/has been reporting an emergency room medical debt to XXXX and XXXX  ( credit bureaus ) since about XX/XX/XXXX. The report states it's for a debt I supposedly incurred in the E.R. some years ago. I do not recognize this debt - the provider or the amount - and I assume it's because all of my medical debts were covered by insurance. I never received any bills pertaining to this amount, or from this company. I disputed the account to XXXX XXXX which appears to have removed it, but I still see it reporting to my XXXX  and XXXX  reports. The reports indicate information was recently updated but doesn't report as under dispute, which I'm aware consumer protection statutes require. 

I have yet to see anything, document-wise, produced which would indicate any debt is owed. I looked Commonwealth up on the website of the Florida XXXX. and see that their previous license to collect debt in Florida was REVOKED and their new license only went into effect in XX/XX/XXXX. I'm not sure if that explains why they never bothered to contact me before reporting this collection, but I imagine they shouldn't be allowed to do either without a license to collect in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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: Public record information inaccurate

Complaint:
After no less than 3 request ( this being # 4 ), Experian has refused to provide the name of the vendor supplying their public records information in malicious contempt for the following FCRA regulation : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

This is my final request for this information before litigation. If Experian still refuses to provide the required information, no matter, I just what to firmly establish with the court that I have completely beyond exhausting all efforts in this matter ...

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 2021-09-20
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I want this account off my credit report now. This company SANTANDER has harass me for over 9 to 10 years now. The car which was a red XXXX XXXX was giving back years ago. These people constantly calling and but not giving me letters through the mail or nothing, I wonder why, cause it's incorrect information. This is illegal. I want them investigated. And I want to know why this is still on my credit report and why I am receiving calls and being harass for a car that I had over 9 or 10 years ago. This has to stop. Stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CLOSE MY ACCOUNT WITH DISCOVER SECURE CARD MADE A XXXX SECURE DEPOSIT NEVER USE THE CARD AND CANCEL IT NOW ITS BEEN A OVER A MONTH AND NOW THEY ARE TELLING ME ITS GOING TO TAKE ANOTHER MONTH BEFORE THEY SEEN MY MONEY BACK TO ME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I have been following up with American Express for almost a month now and they have failed to issue a refund they owe me in the amount of {$19000.00}. In their letter dated XX/XX/2019 ( See Attachment ), they assured me that the refund was wired to my bank account on XX/XX/2019. 

IT IS XX/XX/2019 AND THEY HAVE NOT STILL WIRED THE AMOUNT TO MY BANK ACCOUNT!!!! THIS IS ABSURD!!! THEY ARE COMMITTING FINANCIAL FRAUD AND SITTING WITH MY MONEY FOR A MONTH NOW!!! 

I DO NOT WANT THEIR HOLLOW APOLOGIES AND PROMISES. THEY NEED TO RETURN MY MONEY IMMEDIATELY AND ALSO PAY FOR THE DAMAGES AND HARDSHIPS THEY HAVE CAUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2021 I attempted through the XXXX Dispute forum to dispute the validity of the debt as well as inform them and warn them for the third time that they are in violation of the FCRA, as both they as an organization that bought the debt and the original owner of the debt XXXX XXXX are both reporting the same debt which is not allowed. Bull City just keeps responding that the amount and debt is accurate and refuses to remove the item from Collections. Bull City needs to be fined for an FCRA violation and censored and have the privilege of reporting debt taken away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.

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 2021-09-20
Company: Village Capital & Investment LLC
State: NJ
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 am on forbearance with Village Capital until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted Village Capital and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: North American Asset Services, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased XXXX XXXX dirt bikes using the XXXX credit card a line of credit provided by XXXX. I got behind on payments and XXXX sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX stating she was with North American Asset Services and was collecting on the XXXX debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as XXXX ( found out later ). I then realized that not only was the debt not settled but American Asset Services sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by XXXX who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. XXXX has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.

Company response to consumer: Untimely response