BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On two occasions I have called Chase Auto Finance to request that they send me a copy of my lien release letter for a car I paid off over a year ago. The most recent time was XX/XX/XXXX. The previous time was in XXXX or XXXX of XXXX. On both occasions the customer service rep took and confirmed my address, and assured me the lien release document would be mailed out that week. I have not received the lien release letter or any other contact from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately, or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: NV
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:
My information was leaked in the XXXX  data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft me service times on reoccurring charge that they were supposed to close..

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 2018-08-07
Company: OpenRoad Lending
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill for {$21.00} did not go through when it was on auto-bill. I reached out to the company 31 days after, made the payment in full, because the only notification I got that it didnt go through was from it hitting my credit with a 30 day late payment. They never notified me of the bank rejection of the payment. I now can not qualify for a mortgage because of this mark on my credit and the company will not help me with this very unfair situation.

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 2018-06-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Within the last 2 weeks I have been receiving declination letters from various banks for auto financing that I did NOT apply for, using my name and home address of 10 years by persons I do NOT know. The names that are fraudulently using my name and address are XXXX XXXX XXXX XXXX and XXXX XXXX. According to these letters I have received, these persons unknown to me, went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and applied for a car loan. I myself went to this dealership and did NOT apply or accept a loan. A week or so later, I have been receiving declination letters from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and TD Bank. Some of these letters have my name on them along with this XXXX XXXX XXXX XXXX ( of whom I do NOT know ). The dates are XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have called and visited XXXX however XXXX 's finance person was of no help. XXXX filed a report with their finance department and I have heard nothing. 
This issue started with XXXX XXXX of XXXX. This company is to blame for their lack of security measures concerning consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Discover card personal loan for XXXX with very high interest, unfortunately. However, on two occasions now, i have changed my billing date to pay earlier to cut down some of the interest charges and pay quicker. On both occasions, i received a confirmation email from Discover but yet they didn't take the payment out until the original scheduled date ; which means the money sits in my bank account and not applied to my loan/credit card and continues to accrue interest!!!!!! 
I emailed them both times and no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: On-Site Manager, 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: Account information incorrect

Complaint:
Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have previously disputed this account with XXXX XXXX XXXX and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balanceXXXX XXXX XXXX  XXXX did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.

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 2018-12-18
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was initially contacted by Experian credit alert on XX/XX/XXXX, and was also contacted, via XXXX XXXX credit alert, of a medical debt of {$420.00}, on XX/XX/XXXX. The date of service was XX/XX/XXXX. This bill was from a vehicle accident involving my ex-spouse and my son. My ex-spouse was not at fault and collected a settlement from the " at-fault '' insurance company ( see case # XXXX, XXXX County, Ohio ) .The divorce between my ex spouse and I was finalized XX/XX/XXXX. I stated to Commonwealth Financial Services , Inc., that this is NOT my debt. They stated to me, " Well, it has your name on it now, so you will have to pay for it. '' I asked XXXX on XX/XX/XXXX, to send me the information and proof that this alleged debt is mine. It has been 6 days, and I have not received any correspondence from Commonwealth Financial Systems Inc. 
So, my main complaints are : 1. This is NOT my debt, nor have I EVER received any kind of bill from them in SIX years since the date of service. 
2. They have NEVER contacted me prior ( EVER ) with ANY kind of communication prior to putting this alleged debt on my credit report not allowing my right of 30 days to be able to dispute it, by law. 
3. After I called them on XX/XX/XXXX, I did NOT receive any correspondence validating the alleged debt and/or proving it was indeed mine. By law, they should have sent something within 5 days! 
4. On XX/XX/XXXX and XX/XX/XXXX, illegally and knowingly accessed my credit report fraudulently, without ANY permissions from me ( written or verbal ). 
5. Lastly, according to State of Ohio Law, there is a statute of limitations of 6 years. Just one ( XXXX ) and two days ( XXXX XXXX  ), after the statute of limitations expired. So, ANOTHER law that was violated by Commonwealth Financial Systems Inc. 

So, in summary, this is either a debt owed by my ex-spouse, XXXX XXXX XXXX ( date of birth- XX/XX/XXXX ), or this is a scam. 

This " alleged debt, '' which is definitely NOT mine, has taken a serious negative toll on my credit! My credit score has decreased dramatically due to the illegal practices of Commonwealth Financial Systems Inc! I have also seen dozens, if not hundreds, of similar complaints on the XXXX, and other consumer websites, along with the State of Colorado ( where I live now ) and the State of Ohio ( where the alleged debt occurred ) Attorney 's General Office websites. How in the world is this company, even remotely, allowed to stay in business??? Continuing to use illegal tactics to attempt to scam thousands of people out of there hard earned money? Just as a side note, I currently am disputing this alleged debt with all 3 credit  bureaus. 
I just hope the CFPB can and will be able to do something about this company. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my Wells Fargo checking account last XX/XX/XXXX. At that time there was a {$200.00} promotion attached to the account after 3 direct deposits totaling {$1500.00}. This requirement was met by me but the bonus was not credited. I sent an online message inquiring about the status of the bonus and was informed that the bonus could not be credited because the bank was missing a form that they needed me to go into a branch and sign first. I went into a branch and signed this form. The bonus was still not credited and when I asked about it again online, I was told that I had not met the requirements. Frustrated with my Wells Fargo experience, I sent an online request to close my checking account on XX/XX/18. At that time, I had a balance of {$1500.00} in the account. A check was supposed to be mailed to home within 14 business days. 

When the check did not arrive, I sent an online message again inquiring about the status of my check and was told that I had to go to a branch to sign an affidavit. After signing the affidavit on XX/XX/18, I was told that because the branch manager was gone for the day, I would not be able to get my money that day and told to come back another day. I re-visited the branch on XX/XX/18 and was told that in order for them to process another check for me, there would be a {$30.00} fee for canceling the check that I had never received and that they would be unable to process my check that day. 

At this point, my Wells Fargo account has been closed for over 1 month but I still have not been able to obtain my own money from my own checking account. Further, not only did Wells Fargo not honor their promotion, they are now attempting to charge me fees in order to reclaim the money that I had deposited with them. Given their deceptive and highly unethical business practices, I felt compelled to file this complaint.

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 2017-08-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received so many call about student loans.. and have spoke to someone and that said the took care of the issue since I have made arrangement. Yet I still get call. Just to also find out that they were also calling my mother 's house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Americor Funding, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
This isnt being done. The other lie is that they pay the creditors by lining me the money interest free for a year, which didnt happen and the accounts were only paid once I funded them to be paid causing delays in negotiations and payments as well as additional fees, interest, and negative remarks from creditors. Americor has reviewed the phone calls and admits they told me lies but only apologize, they refuse to rectify the situation. I came up with a compromise for them to negotiate my last account for no fee, which would be about $ XXXX. This isnt worth the damages they have done to my credit but I just wanted to be done with them. They said theyd discount those fees a couple XXXX. I told them not to bother, to just negotiate it out and Id pay in full and sue for fraud later. They have since contacted me saying they need my approval to terminate my contract with them without negotiating my last account. Ive said twice thats not what I asked for and for them to negotiate a settlement so I can pay it off. They contacted me yesterday for approval, I replied within 5 minutes saying I did not approve and they emailed me saying the cancellation was finalized. My contract says a 3 day notice to cancel from either party is required. I asked them if they actually finalized it because it doesnt show in my account as cancelled and they havent replied to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, XXXX XXXX XXXX is calling me at my home multiple times per day even after I speak with them. I have told them multiple times Ive lost my job, I have nothing/no ability to pay them in every spare dollar I have are going to essential needs. I have explained the situation to them repeatedly and I understand that they will periodically want to call. But they have increased their calls as if to attempt to harass me and are now telling me causal stop if I Simply commit to an agreement with them. They are a collector and not a company I have engage with for business. They say they represent my credit card company but have provided me with no proof of that. They are increasing my anxiety, my phone will not stop ringing with their calls and when I block the numbers they called from new numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX. I called Quality Asset Recovery, LLC in reference to two bills I received in my name. The creditor is XXXX XXXX XXXX XXXX and the bills were my children 's ; XXXX XXXX and XXXX XXXX. I called at approximately XXXX and asked to discuss why these bills were in my name. I spoke to a " case manager '' for this debt and asked politely for him to take the bills out of my name for they were not mine. He ignored me and asked me if they were my children I responded yes. He then said " well if they are your children they are your responsibility ''. I stated they were not my responsibility and I know my rights. He then started to harass me and intimidate me into trying to pay these debts. I told him if he did not take my name off of both debts then I would contact the Federal Trade Commission. He then said " well the best I can do is file a dispute ''. I then stated fine and I am still filing a complaint because of this situation. My information should have never been given to anyone from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. Also the dates on the notice for date of service is wrong it states XX/XX/XXXX. At that time my son and daughter were not living in this area. These bills are for cancelled appointments not even for actual services rendered. Pointless just a way for them to scam consumers. I am very upset that this creditor send my information to this debt collector. My information in none of their business and I wish to have my name removed from these bills and their data base. The one bill is in my correct name XXXX XXXX with an account number of XXXX, date of service XX/XX/XXXX. The second bill is is in the wrong name of XXXX XXXX, with an account number of XXXX, no date of service listed. Please have my name removed from these bills and do something with XXXXXXXX XXXX XXXXXXXX XXXX for selling my information without my permission. If you need to contact me you may do so by email XXXX for cell phone 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 2020-05-16
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 information incorrect

Complaint:
XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX  monthly on my TransUnion on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.

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 2018-06-22
Company: U.S. BANCORP
State: AZ
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:
Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young college student and dont have money to be giving that i never spent.

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