BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I know I had other unauthorized withdraws on my account that I got money back for but i did what I was told by XXXX and XXXX on this latest one and I want my almost XXXX  dollars back cause I did not do the transaction and never authorized it ... .the money was taken and j contacted XXXX and XXXX and was told to contact my bank to get it back but wells fargo refuses to return my money and instead closed my accounts but I also see that I am not the only one who has had issues with wells fargo and filed complaints ... ..just give me my money back... 
I guess according to wells fargo it's okay for people to steal money out of customers accounts then blame the customer for it, such a banking practice ....

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 2023-06-01
Company: WELLS FARGO & COMPANY
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 woke up to a text message from Wells Fargo asking if I could verify some suspicious purchases on my debit card. Two purchases were made at over {$100.00} each, totaling {$220.00} and change, from two different gas stations. One in XXXX, one in XXXX. I immediately called the number provided to report the fraud, and the assistant cancelled that card, sent me a new one, and filed a claim for me. The claim came back saying there wasn't enough information to prove it wasn't me. My debit card was with me in my wallet in XXXX XXXX. They knew it was suspicious activity, ( hence the text message from Wells Fargo ) which I confirmed as fraud. How am I now out {$220.00} for doing what I was supposed to do? They even recognized it as potential fraud! My name on my account is XXXX XXXX XXXX. I'm hopeful this can be resolved, if not I'm switching banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Harvest Strategy Group, Inc.
State: WA
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:
Harvest Strategy Group made an unauthorized inquiry on my XXXX XXXX consumer report. I do not have an account with them, never gave them permission and they did not have any permissible purpose under the Fair Credit Reporting Act. I have attempted to resolve this issue in the past but they ignored my previous complaint and never sent me any correspondence. They have accessed my personally identifiable information and as a result of this unauthorized act, I may be potentially exposed to identity theft. No consent is Identity theft. I have pursued legal action against them because they refused to respond and my privacy has been invaded and is at great risk. See attachments.

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 2023-06-01
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. See, 15 U.S.C. 6802 ( b ) In reference to the account ending in XXXX, I was never provided with the option to opt out of the furnishing of my private information to Credit Bureaus. I did not under any circumstance, subscribe or agree to the sharing of my information & I have incurred damages due to the tarnishing of my Financial Reputation without my permission. 

There was also an issue of the mischaracterization of charges, which I challenged by requesting the itemization of the finance charge. The company has failed to provide me with the itemization of the finance charge, thus failing to provide true & accurate validation of debt. The importance of understanding the content of the finance charge is paramount to validating the validity of the contract under Federal Regulation. 

The purpose of this consumer purchase was to acquire a vehicle for personal use & it clearly states that the holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant thereof or with the proceeds thereof, on the back of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Westlake portfolio management is not following all of the guidelines per the consumer financial protection bureau attached letter to the claim will be attached for review

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 2023-06-01
Company: Experian Information Solutions Inc.
State: WA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded in my vehicle XX/XX/XXXX. USAA report my credit 30 days late XX/XX/XXXX when it was not late causing my credit to drop and they will not correct the problem. I submitted all required documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least 4 of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from XXXX ( XX/XX/XXXX ) and Capital One ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: ZuntaFi Corp
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Up until last year I was under the impression my student loans through Zuntafi were deferred due to XXXX. I later found out since it is a private loan that is not the case. I reached out to Zuntafi in XX/XX/2022. I was offered the reduced settlement offer of XXXX instead of the XXXX. Other offer I was offered was 3 payments of the past due amount of XXXX. If I accepted the 3 payments they would continue to report me as late until all 3 payments were made. I mentioned this was not fair when I was making an attempt to get this taken care of. I found a company that specializes in student loans called XXXX for people with tarnished credit. They offered to pay off my existing loan and I agreed. I was making regular payments to XXXX and was still being harassed by Zuntafi to make a payment. I found this quite odd. I received a rude phone call from XXXX XXXX stating they don't due settlements. I can either pay Zuntafi the reduced settlement of XXXX or they will offer the same settlement offer to XXXXI later found out XXXX is actually a debt settlement company that specializes in defaulted student loans. I contacted XXXX and am receiving no response from them after paying them for 3 months. I closed the checking account that I had my payments taken out of that was used to pay XXXX. I then wrote Zuntafi a letter asking to pay off 2 of the 4 loans ; ( one for XXXX and the other for XXXX ) for the full amount due if they agreed to remove all late payments or delete the account completely from my credit report. Zuntafi refused and that any payment would be applied to past due amount, late fees, collection charges would still incur and I would be reported late. I think my request is a fair request. Full payment for what is due. It is not fair to hold my personal credit for ransom when I'm working to get it fixed. You can only imagine damage 4 late payments per month for the last few years has done to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Cascade CISS Holdings, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So i recently checked my credit report for experian and noticed I have XXXX inquiries but i dont recognize at least XXXX  of them. Starting with mortgage reporters from XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The list of accounts below have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights.

15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that a consumer Reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-01
Company: Comerica
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 someone extracted in a ATM in XXXX FL {$100.00} and {$300.00} throug a fraudulent scheme. It was not me. I was in XXXX by that time. I called my bank ( ComericaBank, XXXX XXXX, TX ) on XX/XX/2023 and talked to Customet Service ( XXXX ) who transferred me to an " Specialist '' to file the formal complain. After a long time waiting, the specialist never answer the call and the call was cut off. Since then I have made many ( 5 or more, incluiding today ) very lenghty calls ( up to 1 hour or more ) to them ; but always, invariably, when a reach the point of reaching " the specialist '' the communication is cut off after few minutes : the Bank prevents me from filing a formal complain. What can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received a collection from HUNTER WARFIELD INC, the debt collection agency at which came from the original creditor, XXXX XXXX XXXX  who's principe place of business is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, and the debt collection agency principle place of business being located at, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Hunter, Warfield , Inc., and or the original creditor real property management alleges fees that are in accurate as evident by bank statements! 
I contacted the debt collection company to try to resolve this issue, and they have told me multiple times that I have attempted to pay this debt through the original creditor and have received a insufficient fee fund regarding to a lease payment at which is completely untrue, and made evident by bank account statements! They also alleged that I owe additional fees which I do not recognize! Upon contacting Hunter, Warfield, Inc. I spoke mainly with one individual who was then interrupted by a senior advisor who was extremely rude! They attempted to contact pre-discovery at which all discovery they should already have! I have requested a five day debt validation request starting on XXXX XXXX XXXX  by email which they first told me could not be sent and then I responded after officially verifying who I am you still cant send it to me by email she then replied yes we can and continued with her, discovery questions! I asked them to send out a validation to the original creditor, she responds ( the senior advisor ) theres no need to we already have all the legal documentation in front of us! 

As still my request was as followed but was denied and she said the debt collection agency would send me a validation notice! 

Back some time ago I signed a lease for {$1100.00} x 12 months, on my credit report it is showing a balance of {$1800.00} some of this balance is stated to be from insufficient funds fees which is once again INCORRECT and my back account will show that as evident Upon move out of the rental property, I never received an itemized receipt of any damages as to which the security deposit wouldve been applied for! 

I believe this collection agency is conducting bad business practices just because of the sheer lies imposed and false penalties under the lease contract. 

I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the Credit Bureaus in an attempt to get this issue corrected. The sad truth is that I never got an answer. 

This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
So my credit limit was decreased, so I called the company to figure out why the limit was decreased and they told me that it was because of delinquency on in XXXX account so I asked them what do they have to do with Discover because my payments were on time, and my utilization was low they told me that I need to take care of my XXXX account that was from XXXX and they gave me the limit when the XXXX account was already on my report so I couldnt understand why they decrease the limit because of the XXXX account and then also, they told me that I had two accounts in collections that only have been there for no longer than two weeks, so I told them they by law theyre not allowed to use any reporting thats not older than 45 days old and that I was taking care of the collections accounts so I couldnt understand why I was decreased and then I was told I can be decreased at any time and theres nothing I can do about it so then I asked what if I make the payments on the collections accounts right now and cleared them out because theyre under dispute they told me that it would not do anything to change my increase that I would need to pay off all my debt in order for an increase so I dont understand why I was decreased and I want to know what are they going to do to solve the problem for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have sent multiple requests to get an update on my credit report from XXXX, Experian and XXXX and have yet received a response.

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 2023-06-01
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was granted a 100 % XXXX XXXX XXXX XXXX XXXXXXXX effective XXXX XXXX XXXX. On XXXX XXXX XXXX I worked with the XXXX XXXX XXXX XXXX to submit my homestead exemption, which resulted in total exemption from property taxes. On that same day, I began the process of trying to work with my mortgage company, United Wholesale Mortgage, to apply that approved tax exemption to my escrow account. 

I have initiated contacted my mortgage company multiple times, via phone and through their online message center. They state that their policy does not allow them to update my escrow account until they have a property tax statement, but my county tax office will not issue a new statement until XXXX XXXX As a result, I am left paying money to my escrow account, fully knowing that it will be returned to me in the future, minus the value it depreciates due to inflation. Additionally, I recently became unemployed and this situation is resulting in undue financial stress. 

My mortgage company has refused to consider my situation, despite repeated efforts to explain and escalate within their organization. I view their lack of support as criminal, as they continue to hold on to my money and deprive me of the opportunity to invest/earn interest on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Loqbox US Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them 1 dime i didn't open this account i asked for contract with my signature and they still have never responded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello i have tried to get the citi bank to take action i was told to file a complant which i did and it was denided i reported my cards lost/stolen my account was scamed by someone using a check of XXXX in my name they used my debt card deposted the check and tried to sent it thru XXXX or XXXX im not to sure. When i called to tell the bank this was not me they said they had canceled the activity but now they said my account was on negative and locked my accounts and they tell me to file another claim but they are still denying it i dont have this kind of money to pay the bank i dont know what to do please help me thank you

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 2023-06-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Pennymac refuses to release the insurance claim funds without monitoring. The process they are forcing has cause 1 month of additional damage to my home as I can not get a contractor to start the work on the home without the funds for materials. 

I have expressed the pennymac my difficulties with the online portal, also my financial difficulties with the extent of damage to my home. They will not release the funds, and the funds required to repair my home will far exceed the current estimate due to the delay and the fact that tarps are laying across my home. 

They are the mortgagee but I have to live in this home, mold is starting to form. My insurance says it's my fault, since they have paid. Contractors that have already performed work have not been paid. 

This feels like retaliation for my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Round Up Ventures, L.P.
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 called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.

Company response to consumer: Closed with explanation