BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Premier Auto Credit
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:
premier auto credit trying to repo my car for fees although I have paid the primary loan off they refuse to work with me on fees owed and all of a sudden my primary balance states I owe {$11.00} I'm thinking they are putting this to have reason to repo cause although I paid XXXX dollars two weeks ago the 11 magically appeared again I told them can I make  arrangement for the fees they said no they also were very rude saying that they are not the cause of the pandemic and they didn't cause my XXXX XXXX. The also have sent text messages saying they hacked phones etc ... They are very rude when you're asking them for help to work out something. They call several times a day and when I answer no one says anything and when I call I get hung up on I owe a lil over XXXX in fees and I can get my title all I ask is if they can work with me and I continue to pay monthly until it's paid because right now I am on medical XXXX and I am not working due to health but I do get enough monthly to make the payments XXXX  don't think I can return to work until XXXX. Instead I get rude people on the phone when I do talk to someone. It's not like I'm trying to run from my debt I have paid every month for three years. I need my car my XXXX XXXX  are all out of this area I have children. They seem heartless I paid my principal off and more just keeps popping up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
I'm in the process of repairing my credit and came across this account in my profile. I'm unaware of this account, charges, fees or it's associations with me. As per the fair credit reporting act please provide validation to me via mail. Original contract with signature, breakdown of charges and fees and any other that proves this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CAINE & WEINER COMPANY, INC.
State: NY
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:
A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation.

2. 
XXXX list 2 separate account even though I have 1 account and make one payment because loan transferred to XXXX XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project. 
Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 a Capital One Venture Card, provided by Capital One. My billing cycle usually ends on the XXXX and I usually get an email on the XXXX notifying me that my credit card statement is available. This past XXXX, I did not receive that email. The only reason I was able to pay my credit card ( CC ) bill on time was because I have an automatic alert that reminds me when my bill is due in 7 days. I believe that this is a glitch in their system that has the potential to affect all of their customers, thereby imposing unwarranted late fees on many people. This is also in violation of the Paperless Agreement that customers have signed. Customers should always be notified when their CC statement is ready.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Every time I go online and Attempt to file a dispute with Equifax I am blocked from disputing things that are inaccurate on my report..their reports shows me as having 3 XXXX  XXXX   XXXX  Credit account . One for XXXX XXXX for XXXX. These are correct. Then they show one that is spelled XXXX  XXXX XXXX ( mispelled ) in the amount if XXXX..This is not my account. I never had a XXXX XXXX XXXX credit card in the amount of XXXX..I have made several attempts to dispute this with Equifax among other things they won't allow it to go through. And why does my credit reports have different things on each of them? Makes no sense to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
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:
XXXX student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
**Wallet Stolen and {$7000.00} stolen from me. Wells Fargo declined the claim even though I'm working with a private investigator that  has the suspects on camera** Name : XXXX XXXX Wells Fargo claim # : XXXX Situation : My wallet was stolen and collectively through credit cards and checking account. Of this, around {$3800.00} was charged to my Wells Fargo debit card. XXXX XXXX immediately refunded the other that was charged to my credit card. I was originally told by Wells Fargo I would be refunded within 7 to 10 business days. I called immediately and had to call their fraud department three times before they were able to successfully stop transfer of money and charges to account. At the end of 7 to 10 business days, they told me I was denied. I have a private investigator working on the case and she has the suspects on camera using my car. Wells Fargo is unresponsive in working with it.  Please help, I am going to school and late on tuition to pay.

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 2021-06-22
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 - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. 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 XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
I would like to confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, i applied fro and received a " XXXX XXXX '' Barclays Mastercard branded by XXXX XXXX. I have a Ietter from Card Services of Barclays Bank Delaware acknowledging receipt of my application dated XX/XX/XXXX. 

I canceled this account in XXXX. However Barclays subsequently simply changed the account to their own branded account and have been charging me an annual fee of XXXX dollars ( {$39.00} USD ) ever since. This despite the fact that the last physical credit card they sent me carries an expiration date of XX/XX/XXXX printed on the front, remains attached to its issuing paper and has never been activated. 

BarclaycardUS collected latest annual {$39.00} fee by direct withdrawal from my bank checking joint account on XX/XX/XXXX, according to my bank statement. 

I never asked for nor applied fro a Barclaycard account except as described above, and believe that this continued abuse represents the same kind of false and unauthorized account creation seen at XXXX XXXX over the last few years. 

My attempt to pursue this matter directly with BarclaysUS through their website today failed because BarclaysUS does not even recognize my credentials to log on to the site.

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 2018-07-15
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over 5,000 dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and IC3 complaint for crimes that take place over the internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent below letter and they failed to respond within 30 days. The item was delivered with this tracking # : XXXX with a signature. 


XX/XX/2018 DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$2200.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
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:
I have submitted a claim against Experian with the attorney general office case number XXXX. This case is in regards to XXXX account # XXXX. For monetary relief from your agency for continuing to report this account verified with no bases or proof.

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 2018-09-26
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The amount of the debt is wrong. I went to school for one year. They say I owe {$58000.00}. This is wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Bank credit card that I have used for many years that i currently have a balance of around {$6000.00}. Recently I noticed something didn't seem right with my statement. For the last 10-12 months I have been making double the normal payment ( {$200.00} a month payment ) to try and pay down more principle. To my shock I recently realized my principle over that last year of payments has not gone down at all. At that point I called Citi and the customer service representative told me that I was being charged {$68.00} a month for the " Account Care '' program. I NEVER signed up for this " Account Care '' program and when I asked the customer service rep " how long have i been being charged this fee '' I was told " They can't tell me because ONLY " Account Care '' help desk can give me that information.

I was frustrated with the lack of transparency and honesty from the Citi customer service desk so I filed a complaint with the XXXX who contacted Citi. As a result the ONLY thing Citi did was to INCREASE the amount of collection calls I receive for the outstanding monthly payment. I informed the collection caller that I was not going to make another payment until someone addressed the current fee issue and informed me as to HOW LONG THIS FEE HAS BEEN CHARGED WITHOUT MY KNOWLEDGE. Apparently NOBODY at Citi has this information, they ONLY know how much I owe them.

Here is the best part. Earlier this week I finally got a call from " Account Care '' and I was told the following : They ( Account Care ) CAN NOT address my billing issue. That has to be done by CITI.

They CAN NOT stop the collection calls.

They CAN NOT address how my credit is being affected.

They CAN NOT show me where I " agreed '' to join this program.

They DID inform me that this " Account Care '' fee has been being deducted from my monthly payment since 2009. For almost 10 YEARS now I have been being charged this fee without my knowledge. That is THOUSANDS of dollars over that time.

Please help me! I don ; t know what else to do. I make my payments monthly, on time and I have been an honest customer. How can I get some relief from a dishonest XXXX Dollar company charging me fees I never agreed to pay? NOBODY SEEMS TO CARE ABOUT A GUY JUST TRYING TO SUPPORT HIS FAMILY. Should I consult 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 explanation
Consumer complaint received 2017-08-06
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is one that was originally submitted to the CFPB on XX/XX/XXXX ( # XXXX ) against Specialized Loan Servicing, LLC. The complaint remains unresolved as of this date. A letter from Specialized Loan Servicing, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX dated XX/XX/XXXX ( copy attached ) stated that they were requesting that the Recorder 's office in my County ( XXXX County, GA ) to " release or satisfaction of mortgage. '' SLS stated in this letter that upon receipt that they would forward it to me. I checked with my Recorder 's Office on Wednesday, XX/XX/XXXX and I was informed that no request was made by SLS. This mortgage balance was paid to SLS on XX/XX/XXXX and details were included in my original complaint. All communications and correspondence with this company has been futile and SLS has obviously ignored the CFPB to date as well. I received an undated notice from SLS with a postmark of XX/XX/XXXX stating " Georgia law requires us to inform you of your right to demand payment of {$500.00} in damages in the event a copy of your Satisfaction/Release/Discharge Reconveyance is not provided to the county recorder within 60 days of payoff. '' I sent XXXX a letter dated XX/XX/XXXX demanding the {$500.00} in damages and informing them that my " paid-off deed '' had still not been received ( copy of my letter is attached ). Apparently my letter and the SLS letter dated XX/XX/XXXX crossed in the mail. Pease help me to resolved this issue.

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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
When I pulled my credit report on XX/XX/XXXX due to being denied credit The transunion company report states that they VERIFIED IN XX/XX/XXXX my employment on three employers I HAVE BEEN ON XXXX SINCE MY car accident in XX/XX/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 2017-08-06
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On multiple attempts dating back to XX/XX/XXXX I have disputed multiple unverified accounts with Monterey Collections with account number : XXXX XXXX and XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called Monterey Collections and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she mentioned an address ( apartment ) in XXXX or XXXX, GA that I have never lived or been associated with. At that time the rep advised I should dispute again with the credit bureau and stated that the account should not be reported if the information did not match with what the credit bureau report. Well, just the other day I received a debt letter from Monterey Collections which states it was a response to the dispute received and pursuant to the debt validation requirements set forth in the Fair Debt Collection Practices Act. Also, in the letter it states that I had 30 days from the date I was notified by Monterey that an account had been placed with Monterey Collections, to request to dispute the debt. They also state that they notified me of the accounts XX/XX/XXXX which could n't be further from the truth. I have used my current address over 10 years and have never received any communication from Monterey until it was reported on my credit report back in or around XX/XX/XXXX. This practice completely contradicts the standards provided by FTC and creditor should be reprimanded for these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation