BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: Riverwalk Financial CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 ; I contacted Riverwalk Credit Solution to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Bank, Wells Fargo Bank in XXXX, WI suddenly changed a practice from the one I was accustom to doing my banking based on, to one that I was completely unaware and unfamiliar with. This change resulted in me incurring over XXXX in overdraft fees over about a two week period of time, before I was able to learn what was going wrong. The changed practice was to start assigning the prior days date to transactions that arrived at the bank after either XXXX or XXXX. In addition they took overdraft protection off my account after persuading me to switch to a different type of account without informing me that this new type account would not include overdraft protection. The combination of this two events at the same time resulted in me paying all those OD fees on my checking account while having money in my savings account that could have covered the purchases had I been aware. But by assigning the prior days date by the time I became aware the overdraft fee was already applied. Additionally, I was in communication with Wells Fargo bank daily trying to get a handle on the situation. However, it was not until toward the end of the situation that bank staff informed me about the removal of my overdraft protection and the new practice of assigning the prior days date to charges coming through after a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: MA
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:
To : Whom this may concern I am seeking MONETARY RELIEF FOR DAMAGES TO MY CHARACTER Pursuant to 15 USC 1681a Definitions ; rules of construction experian is required by FEDERAL LAW to conduct a investigation upon request of the consumer and verify the accounts are ACCURATE and FAIR. 
All accounts listed I am seeking MONETARY RELIEF because these accounts have been deleted after 6 to 8 months of disputing these accounts, send check to address posted above. ( FAILURE TO INVESTIGATE ACCURATELY AND FAIRLY ) Pursuant to 15 USC 1681n ( a ) ANY person who willfully fails to comply with ANY requirement imposed under this title with respect to ANY CONSUMER is liable to that CONSUMER in an amount equal to the sum of ( A ) any actual damages sustained by the CONSUMER as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
DATES OF ALL ACCOUNT INVESTIGATIONS VERIFIED IN VIOLATION OF FEDERAL LAW XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ACCOUNT DELETED XXXX, XXXX, 2021 ACCOUNT UPDATED XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX, XXXX, 2021 DELETED XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX DELETED XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DELETED

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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I feel like interested was added from previous student loan provider thus making hit difficult for me to see any progress with payments. I do n't clearly understand how interested is added and why my loan amount seems to be increasing rather than decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Be advised this is not request for validation. This account was never verified with a notice that XXXX # XXXXclaim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I am disputing the following information directly with them, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have XXXX mortgages with Specialized Loan Services. They have incorrectly transcribed the address of XXXX of the mortgages, and shows in their records as the same address as a different mortgage. We have been trying to get this corrected for XXXX XXXX years and are now and still not getting their attention. We are supposed to closed on a refinance of this property TODAY and despite numerous calls from the lender, the title company, and is they will not make this change so We are looking to have to postpone closing due to their inefficiency or Ineptitude and this is just unacceptable. We should not be paying the price for their mistakes and poor customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the erronous information about my accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of accounts that are still reporting on my Credit Report and needs to remove completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called the bank on XX/XX/XXXX to payoff a personal loan with funds from a checking account, both at XXXX. The agent retrieved the payoff, took the information and said the loan would be paid off in XXXX days and gave me a confirmation number. Today XX/XX/XXXX, I check my online account and no pay off was made. However, a payment is due tomorrow. I called again today to voice my concerns. The agent initially told me I would owe {$7.00} more in interest but he could put in the request today. I explained that I would not be paying more interest due to an error on their part. I was surprised that when requesting to speak to a supervisor, I was told several times that the individual does not have a manger. Once he finally connected me, the manager eventually looked into my account enough to see that there was a request. Her suggestion was that I call back tomorrow to ensure the pay off occured because they do not make payments before the due date. This make zero sense and I can pay this loan at any time and was told it would take XXXX when I called on XX/XX/XXXX. The manager told me that if by tomorrow morning, it was not complete, that I should then " apply pressure '' to make sure it's done. I explained that this seemed like a lot to ask for a customer to take on and I was concerned that if it was not done timely, there would be an impact to my credit score. The Customer Service I received surprised me and I lack confidence. I am just trying to end my relationship with the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: LA
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 was ill in the beginning of the year so there is no way I purchased a vehicle from rXXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized XXXX loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have the following problems that need to be investigated, previous addresses that are not mine and my NAME is totally wrong and an account that is not mine, a letter is enclosed that explains everything

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX. Received an XXXX XX/XX/XXXX under insurance with XXXX XXXX at XXXX XXXX in NJ. I had received a different kind of XXXX XX/XX/XXXX and followed the same course of action for this XXXX ( which i had no disputes ) XXXX. XXXX XXXX did the XXXX which means they had received pre-authorization from XXXX, otherwise i would be denied my appointment. 
XXXX. XX/XX/XXXX i check my credit report and find a debt collection for XXXX for the XXXX XX/XX/XXXX. 
XXXX. XX/XX/XXXX I Call XXXX and they said I do n't owe but it was n't paid because XXXX XXXX did n't follow the rules. 
XXXX. XXXX sends me a letter confirming I do not owe the money. 
XXXX. XXXX calls XXXX XXXX to resolve situation. XXXX updates me and says XXXX imaging is removing the debt. 
XXXX. I talk to Onlinecollections.com to fax letter XXXX. XXXX of OC says this letter means nothing. 
XXXX I Call XXXX XXXX XXXX XXXX says you have a zero balance and print it out at this online portal. I fax the zero balance bill to online collections. I call online collections and she says it takes 3 XXXX days to get the fax. She says she will call her client XXXX XXXX to check on the balance of the debt. 
XXXX. XX/XX/XXXX XXXX of OC says it is an adjusted bill and their client XXXX XXXX still considers it a debt to be collected. XXXX of OC insists OC does n't own the debt but are working for their client XXXX XXXX. XXXX will not remove the debt from my credit report. 
XXXX. XX/XX/XXXX I call XXXX XXXX today after the above phone call and speak to XXXX who confirms I have a zero balance and there is no debt to be collected. She puts an alert on an email for someone to call/email OC. 

What do I do next? 
Get a letter from XXXX XXXX confirming there is no debt to be collected? How do i get this removed from my credit report? 

I feel helpless. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I purchased a car back in XX/XX/2021 in which the same night I found multiple violations in our initial contract which in this case voided the contract that the dealership XXXX XXXX XXXX or Capital One did not go over or handle properly and had very misleading information in it. The next day I sent the dealership and Capital One Auto finance a Rescission letter XX/XX/2021, an affidavit of truth including a Cease and Desist letter telling them I refuse to pay the alleged debt and to stop any further communication with me unless its to give me the remedy I demanded. I had the papers notarized in my residing state and said I will take legal action if need be to exercise my rights. They never responded after weeks and I had the letters sent Certified mail so I knew they had received them so I sent them another Affidavit of Truth with the evidence of there violations and another Cease and Desist and Debt validation letter but they disregarded my letters once again and called me everyday sense and sent me letters stating if I don't pay the alleged debt they will take my property despite me sending them a written notice that they violated out contract they have not responded to my letters nor have paid any mind to my request. I have put a lot of my income into my car and they are threatening they will take it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I made a payment of {$2300.00} to Santander on XXXX via online ; I then called Santander so that they could allocate the payments for the next XXXX  months per the rep that I spoke with before I made the payment. When I called, I spoke with a representative whom told me that the payment could only be allocated for the next XXXX months which was fine. So the payments were allocated and I wasn't due a payment until XXXX, but I went in on XX/XX/XXXX and made a payment of {$230.00} just to get my balance down because I have already paid these people over {$25000.00} for a XXXX XXXX XXXX and I still owe them {$8000.00}. So, when I made the payment, my balance was {$8100.00} ( hence, the reason I made a payment of {$230.00} ). I went to my online account today and I noticed that my balance was still {$8000.00} because {$150.00} went toward interest. I called Santander and spoke with agent # XXXX, I asked to be transferred to a XXXX, and was transferred to XXXX agent # XXXX, I asked XXXX to transfer me to someone over her so she transferred me to XXXX agent # XXXX and she told me that they normally don't get these kinds of questions because most people read their contracts. I read my contract, and there is nothing pertaining to if you make a lump sum payment and wish to have it allocated that you will be charged interest as if you missed payments. Because had I not made a payment until XXXX, as it was supposed to have been, all of that payment would have went toward interest. From XX/XX/XXXX to XX/XX/XXXX, I had interest of {$150.00} on XX/XX/XXXX {$240.00} of {$440.00} payment would have went toward interest. That is highway robbery. I called them back and spoke with XXXX agent # XXXX, and I explained to him that I didn't understand how I could be charged interest as if I didn't make a payment if the payment is supposed to be allocated to each month, I told him that it didn't make sense, and he told me it did, because he has a simple interest loan with them as well. Well it doesn't make sense to me. If you are in a simple interest loan, do not make a lump sum payment and have it allocated because interest is going to eat you alive!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Old information reappears or never goes away

Complaint:
Equifax has taken off a XXXX that was on my credit report incorrectly only to put it back after XXXX months. This mistake has damaged my credit file and cost me time and money, I was just denied a loan because of the inaccuracies of Equifax reporting. 

The item that is to be removed is : XXXX. Chapter XXXX XXXX XXXX I am sure that Equifax is aware of the provision of Section XXXX of the Fair Credit Reporting Acto of 1970 is clear, I want this account to be removed from all current and future credit reporting. 

Additionally please tell me the names of any individual and or organization that you spoke with so that I can speak with them. 

Section XXXX ( a ) plainly states that a failure to investigate this account within 30 days constitutes a reason for permanently delete of the information on my credit report. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from sears credit services dated XX/XX/2020 advising me that my sears master card account has been closed. The reason stated was " We took this action because we can no longer support the terms of your account. '' I immediately called customer service for an explanation and I was told by their supervisor XXXX employee number XXXX that a letter of new terms and conditions was sent to my house and returned by the post office. I asked for a copy of the letter and the date it was sent and they could not provide me with one. I was told it was shredded and there was not a copy. I have an online account and nothing was posted in my documents which usually posts all the correspondence that is sent to me. I asked why I was not called or another letter sent to me notifying me of an account closure, and I was told that was not their practice. I believe I have suffered an injustice, due to the fact I have been a customer for 30 years and I was not afforded due process. I would like my account re-instated with the same credit limit that I earned over the years and the same platinum status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CITIBANK, N.A.
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 reported my XXXX credit report twice XXXX different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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