BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to get to the bottom of fraud committed by a former friend. A {$200.00} secure credit line was opened in XXXX XXXX XXXX XXXX, yet I was charged for the transaction ( according to XXXX XXXX XXXX XXXX XXXX was living at my apartment when this account was open and would have had very easy access to all of my personal information. When I initially received these account alerts, they were sent to XXXX  and I did not notice that I was charged for a secure credit line in someone else 's name by a bank that I had never heard of before. I had reported a suspected fraud to Regions at the time, and nothing was resolved due to Regions not addressing my concerns. I, therefore, closed this bank account and am now unable to access my old statements. XXXX added my Regions bill pay to her secure line of credit, apparently, and this was never stopped by regions. I expect a refund for unauthorized payments made from my account and access to my previous statements. Please find attached the alert sent to my XXXX last year regarding this manner, my report to the FTC, and the CFPB report that I made against XXXX XXXX bank itself.

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 2022-11-21
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. 
They are not licensed to collect any debt in my state and couldnt provide me with proper licensing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Titanium Funds
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a used vehicle back in XXXX at XXXX XXXX XXXX  where i was referred to by a friend of the family and at the time i didnt have much money to put down on a new vehicle and they were advertising you could get a vehicle with little as XXXX cents down on approved credit so i figured i would give them a shot. Upon going to the dealer lot and filling out an application i noticed alot of the cars on the lot were old after sitting down with a sales manager i was approved at first for the XXXX cents down then they told me that i didnt make enough and would have to put down more so i ended putting down {$300.00} and my financed amount was {$11000.00} so i ended up getting a XXXX XXXX  XXXX le they dont charge you monthly like a normal car dealership its based off your pay frequency so i was paying for my car every two weeks in the amount of {$210.00}. The amount of interest i was paying for that car was around XXXX XXXX which is way too much for such an old vehicle i could of bought the exact same car cash for $ XXXX ended getting into a accident XXXX of this year where someone rear ended me on the freeway and totaled the car and the airbags did not deploy. unfortunately i had to get another vehicle through the same place because once i again i was short on money to go anywhere else and i needed a car as soon as possible to be able to go to work so ended up getting a XXXX XXXX XXXX XXXX for {$17000.00} which the car is nowhere near worth XXXX only values the car for XXXX or XXXX XXXX at the most. my issue is not only with price and high interest rate but they also do not fix anything on these cars they have a very limited warranty that covers parts that are not even going to break down on the vehicle any common issues they dont cover and leave you on own to fix or pay for this new car is already giving me issues regarding the suspension and struts and the brakes and wheel bearing there is all kinds lights going off and the check engine light on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The PRIMARY reason my credit card use is high is a direct result of my brothers passing. I had over XXXX trips XXXX XXXX XXXX to XXXX to assist in my brothers care fighting XXXX. It was almost 2 years taking care of him, until his death. 

My airline costs alone was well over {$10000.00}. Added to that, I had rental cars, airport parking, food for my brothers family, cash advances, and other miscellaneous expenses. 

Additionally, I had to pay legal fees to straighten out my brothers legal issues, and around {$3000.00} in funeral expenses. 

So yes, I had a huge demand on my credit cards, but I also did n't have a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My XXXX credit report dated XXXX XXXX, 2016 included XXXX 15 year mortgages with Wells Fargo Bank. The information has been shared with Wells Fargo staff in XXXX XXXX, IA who stated on the phone that they are unable to identify these accounts in my name. We have NEVER had a 15 year mortgage.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX XXXX Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX XXXX XXXX {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidaviXXXX XXXX  Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit

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 2022-04-16
Company: United PanAm Financial Corp.
State: GA
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:
United auto credit is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau 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. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting on behalf of Equifax , They are showing XXXX accounts open that should be closed through a discharged bankruptcy.Equifax says they have them showing closed but yet they show open through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Rent Recovery Solutions
State: MD
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 have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still XXXX fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. XXXX continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue XXXX if they continue to report false info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back.

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 2016-02-17
Company: ACCESS GROUP INC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help.

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 2022-11-21
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime has refused to refund me for the amount of {$36.00}. 

On XX/XX/XXXX, someone stole my card information and placed a XXXX  order for {$36.00}. 

I have proof that the order was placed in XXXX XXXX, California. 
I live in Tennessee. 

I have proof that I was in Tennessee, driving home from work, at the time of the fraudulent charge. 

I have proof that I do not use XXXX. My only transaction was over two years ago at XXXX XXXX. 

I never authorized a payment to XXXX  or XXXX for someone in California to feed themselves XXXX 

I opened a dispute and it was denied. I opened a rebuttal to the dispute and it was denied. I attempted to reopened the rebuttal and they have offered to send me documents of the denial rather than resolving the situation rightfully in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: NCSPLUS INCORPORATED
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill with XXXX in XXXX, IN. That medical bill was paid in full on XX/XX/2014. XXXX contracted XXXX separate credit agencies to place XXXX reports on my credit. XXXX report XXXX XXXX. XXXX XXXX shows the correct amount of {$80.00} as XXXX. The second report ( XXXX XXXX XXXX XXXX shows an incorrect amount of {$220.00} as Paid. The third report ( XXXX XXXX shows an incorrect amount of {$290.00} as Paid. Attempts to contact XXXX from billing at XXXX resulted in unreturned phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: First National Collection Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a debt collection letter from First National Collection Bureau inc trying to collect a Credit Card debt from XXXX. I don't have an account with XXXX I've never received a bill from them, I've never applied for a XXXX, nor have I gotten a bill via email from them. This is the first thing I've heard of this debt. I sent them a letter today as instructed by their office stating that this debt wasn't mine and I wasn't responsible for it. Also, this is the third complaint I've reported to the FTC about identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Collection Management Company
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a 60 % XXXX veteran. 

I received these services while hospitilized in a hospital far from a VA hospital and could not be transferd to the VA hospital. It was an emergency hospitilization. 

I had previously notified the VA about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XX/XX/2022 TO WHO IT MAY CONCERN Wells Fargo Case number : XXXX Account number ending in : XXXX Dear Sir/Madam, I am writing to submit a complaint against Wells Fargo with regards to an issue I am facing with my XXXX tax form and more importantly, the fact that Wells Fargo has NOT be able to maintain or manage accurate contact details for my account despite being a customer with them for 26 years, sinceXXXX. The full details of several challenges related to this issue I have and continue to face are provided below or in the attachment. I am also copying correspondence sent to the Board of Directors, Case Specialist and others at Wells Fargo. 
How can Wells Fargo be allowed to operate as a bank and fulfill its fiduciary responsibility when it can not maintain and manage accurate contact inform for its international customers? More concerning is how can Wells Fargo be allowed to hold the money of it's clients through CDs and more when the customer contact information is wrong and inaccurate over several years? Who is responsible to ensure that Wells Fargo meets its obligation to maintain ACCURATE customer contact details, managed under strict data protection/care guidelines in accordance and as required by law and regulations? 
Despite all attempts and assurances by the bank, even to date my contact address and phone number are NOT reflected accurately on my online account. The country where I am living is still not recorded or displayed. 
There is much more to this story. Please read the below and/or attachment for full details of multiple issues regarding my customer contact details. 
I am demanding that Wells Fargo address my complaint and resolve it immediately, as this has been going on for months now and I am losing money every day and this is a big financial loss for me. 
A very frustrated and disappointed long-standing customer, XXXX XXXX XXXX XXXX XXXX XXXX Cell : 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