BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: WELLS FARGO & COMPANY
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wells Fargo Debt Settlement amount {$7100.00} Auto paid Full XXXX Amount received {$1400.00} ; Wells Fargo assigned to assigned to Bankruptcy that was filed XXXX, which was allocated to me by bankruptcy court stated it did not apply to XXXX debt Requested information on amount disbursement was told by customer service of CPI settlement Auto was repossessed, clarified with Wells Auto Finance information was incorrect. 
Requested inquiry, still waiting on response 6 months date no response Wells Fargo XXXX insurance cost me $ 4000out of pocket in XXXX due to incorrect VIN number of my vehicle. I thought for a moment they tried to do the right thing but that was short lived with this process again

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 2023-08-31
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Had a student loan with Great Lakes paid on time every month for years in XXXX all student loans were stopped with 0 % interest. On XX/XX/XXXX a current balance of the amount XXXX was transferred to a new institution Nelnet. 

On XX/XX/XXXX logged in to Nelnet to see payment plans and when to start only to find that they have a current balance in the amount of XXXX. 

Email stating the transfer said nothing would change, still at 0 % interest until payments restarted I did not take out an additional loans. Called and they could not tell me why the current balance had more then doubled in amount owed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a checking account that was taken over from Washington Mutual Bank by Chase.This was an interest bearing account for years and be it was put into a non interest account. I have a good amount that's been in there and no interest was paid over many years. Ifeel this is very unfair I'm sure the bank is getting a yield on the funds that have been in there years,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA violation ... .. 
Commonwealth Financial Systems Inc Acct # XXXX Commonwealth Financial Systems ... .did not provide me a HIPAA release that releases my medical information to them ... .i am proceeding with legal action should this item not be deleted from my credit report within the required time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, I attempted to use my personal credit card for an online purchase. It was not honored by XXXX XXXX XXXX. I had sent the payment by mail and it did not arrive by the due date. Without warning, they suspended my card and dishonored any charges. 

I called them today, XXXX, and they refused to reinstate the card unless I made a minimum payment by phone, which I did. Then they told me the card would not be reinstated for another 24 hours. 

When I said I was going to complain to the Consumer Financial Protection Bureau, they agreed to waive the late charge and interest on the account. They claimed they did not know the name of the federal agency which regulates credit cards and they had no information on how to contact you. 

I pay the entire balance due every month. I do not believe I have ever paid this card late, although I am not sure of that. I have an excellent credit score. This has not ever happened to me with any of my personal or business credit cards. 

XXXX XXXX XXXX sent me an email on XX/XX/XXXX, titled " a friendly reminder ... '' that my payment was overdue. It did not say anything, whatsoever, about shutting down the account. 

I accept the fact that I would be charged a late fee but I was not advised that they would stop honoring charges on the card. As a consumer I was not advised or warned that this would happen. There should have been a warning, either in the " friendly reminder '' email, or in some other way. 

I am complaining about this policy and the lack of notice which induced me to take no action as my payment in full was already mailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks.

I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

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 2019-12-31
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX, Equifax and XXXX  have all been sent legal documents about a collection account on my credit report from a bail bond agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report it shows that I was late over 30 day in two consecutive months ( XXXX and XX/XX/2023 ). I have never been late. I started automatic payments from my personal checking account that was to begin in XX/XX/2023 with this company. We received a letter in the month of XXXX stating that the account was past due. We contacted the company and they said that not to worry about the letters and that they might come for a couple months since we just started the automatic payments. The payment was for {$100.00} per month. I made sure that the payment was made for XXXX and then the same thing happened in XX/XX/2023. Since then, there has been no issue. I would like this negative issue removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Chime Financial Inc
State: TX
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 have like {$2000.00} on my chime account and got incarcerated for two years I was trying to gain access to my account in jail but my account was locked until I can prove my identity but I have sent chime every document that has been asked of me and the only thing they can say to me is send documents that I have been told they have received and I dont know what else to do so I can get my money can you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery Associates LLC have filed suit and took legal action without providing me with documentation of original debt baring my signature and companies that where the original debt came from. They have not contacted me, nor was I notified me of any debt and portfolio has filed suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by letter from a XXXX XXXX XXXX by the name of ( Offices of XXXX and XXXX ) This indicates the office is located in XXXX, CA. XXXX and has a phone # of XXXX. 

The letter was not certified, and came through normal mail. The letter starts by saying ( NOTICE OF INTENTION TO FILE AN I.R.S. XXXX FORM. 

It's obvious the letter is a strong arm tactic to get me to pay them {$410.00} on a debt that was charged off on XX/XX/2007. It states the original creditor is XXXX XXXX. They provide no real documentation that this account existed or that it was charged off. They state the original charge off balance was {$780.00} and with interest the amount is {$850.00} Then states the total amount owed is {$1600.00}. 

They provide an account number that I can't verify it existed. The later states. XXXX and XXXX are willing to offer you two lower settlement options then what's owed to the IRS. This is a one-time offer and our last attempt to settle this account before submitting a XXXX to the I.R.S. 

I do know that I settle with a collection company once and will get copies of that from the lawyer I used. I also know that I was contacted by several credit company 's who purchased the debt and tried to collect after settling with that particular company. 

I don't understand how they can simply send out a letter with numbers attached and that is supposed to be satisfactory validation that you owe them money. I don't like that fact this is a strong arm tactic. No different then I am going to tell the police you punched me and unless you give me money I am going to call them. If I owe taxes on a debt that wasn't paid back, shouldn't I have received the XXXX form the year is discharged. which according to them is XX/XX/2007. Why wait almost 11 years. 

In one of the boxes it says they have a federal identification # of XXXX. I think this is unfair collection attempt. If I owe the government taxes, then I should have to pay the taxes once I get legal notice from the I.R.S. not a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've disconnected my phone service. Nothing in my account agreement nor the online agreement requires me to have a phone number to access online services. MidFirst sometimes wants to call a phone number as a sanity check. That's not possible for me anymore. One day my online access will be stopped or I'll get a new computer and won't be able to get it restarted.

I've complained about the online calls, and I've asked 8 times for them to remove my disconnected phone number, and they have the idiocy to tell me that I have to " call. '' Seriously, I don't have a phone anymore, and the request was sent while I was logged in securely. My user ID and password are enough to send a billpay to get money out of the building, but I can't get my disconnected phone number removed. What about when they try to call " me '' with that number, and get someone else. They'll expose that I have an account there after I told them the number is no good. 

I think this is unintentional XXXX discrimination, and it must be corrected. I'm willing to bet that more XXXX and XXXX are less likely to have phones and MidFirst 's  policies won't accommodate alternatives.

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 2023-08-31
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I am working on buying a house from XXXX XXXX XXXX. They will only use 21st mortgage for their used homes. They said they do not deal with any other mortgage company. I applied with 21st and was denied because of a problem I had with them 20 years ago. I asked them if there was a way around that since this dealership will only deal with them and they stated that if they ever had a problem with you they will never do business with you again. This all took place this week. How long can a bank blacklist you from doing business when the information has been off of my credit report for at least 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday at approximatelyXXXX, we went to the Huntington Bank located in XXXX XXXX and tried depositing {$6300.00} into an ATM machine. The ATM machine immediately took the money and began showing signs of error and took the entire amount without providing a receipt. The machine went into malfunction and showed a sign that said " currently unavailable deposit ''. I immediately called the after hour customer service number and filed a dispute. I also called and left two voicemails to the local branch. On Monday I visited the local branch without recieving any assistance or reassurance that i would get my money back. I reached the dispute team and spoke with a dispute manager on duty and they escalated the process. However I still have not receive an update from the local branch nor the dispute team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: PA
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 '', the accounts are as follows : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XXXX , XXXX, MO XXXX ( 2x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX , PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 an 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 2023-08-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was laid off due to Covid-19 and was having troubles making payments. I also kept experiencing unauthorized charges and fees from Wells Fargo during this time which made it even harder to make payments. I called about the unauthorized charges and they closed the account so we could start the pay to delete process since I was laid off and unable to make payments. When making my last payment I spoke to the representative and he advised within 60 days the account would be removed from my credit. When I contacted them recently to get an update they advised that I needed to contact the credit agencies. This is not what I was told. They are not fulfilling their promise that if I pay off the account it would be removed. Also, due to me being laid off according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic this should have not been reported on my credit. Wells Fargo has already agreed that they charged me unnecessary fees because I am still getting refunds from this company.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2021-05-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}.

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  XXXX  XXXX  with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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

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

-- OTHER ACCOUNT 4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: LD Holdings Group, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally applied for a mortgage with Loan Depot in XXXX. On XX/XX/XXXX, my wife and I selected out of the following 2 options, 1 ) no cash out refinance@ 2.85 % interest fixed 30 year, 2 ) cash out ( approx {$18.00} ) refinance@ 2.99 % 30 year fixed. We selected the 2nd option ( cash out ) and signed all the documents in ink on XXXX XXXX XXXX. The next process took a very long time due to several mistakes on the part of loan depot and their selection of what needed to be signed in ink and what what appropriate electronically. 

My former mortgage with XXXX  XXXX  XXXX  was paid off by loan depot on XX/XX/XXXX. However, the cash out portion was never funded by Loan Depot. I still have no received any sort of answer on how this is being funded ( direct deposit, check, etc. ) or an estimated date as to when. I have been contacting all of my contacts and customer service with Loan depot literally daily. I received a mortgage statement on XX/XX/XXXX for a payment due on the loan as per the terms I laid out in option 2. 

So to recap, my refinance has not been fully funded and yet Loan Depot is charging me interest on this remaining amount not yet funded and they will not return any correspondence. 

I certainly hope you can help me get to an equitable solution with these people.

Company response to consumer: Closed with explanation