BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.

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 2017-05-09
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance gra nted me an extension, verbally, and continued to report the account as if no extension had been granted. They charged me a late fee and sent me a default notice, reported to credit agencies and failed to get me the necessary paperwork to complete. After submitting a complaint to the BBB I finally received the form and they are still pursuing claiming I am in default and are charging me excessive fees. On top of that their representatives twice told me to make my payments on days that in reviewing my summary added late fees. They said for processing reasons I needed to make the payment on Saturday I was charged extra for it. I have gone to them on several occasions and that provide no assistance and resolution. They are making a fortune off of these loans and are setting borrowers up to fail. This business drives borrowers into repossession.  Exeter  is making money charging outrageous rates, providing no service and repossessing cars. I would also like the CEO informed so he knows the business practices oh his employees.  XXXX   XXXX  has offered no assistance, only emailed me my contract and payment history that did not reflect any actions the Exeter Representative took on  XXXX / XXXX / 17 .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on    XXXX   XXXX    2017 i s  ent  Carrington mor tgage company my insurance check to endorse. they cashed my insurance check and applied the the  XXXX  from   XXXX   XXXX   that was money to fix my roof to my principle balance to my loan. when i called regarding this matter they told me that it will take  2 we eks to get my money back. weeks before this i was notified in a statement that i was low in my escrow account when in fact i was n't and they increased my mortgage payment up to  XXXX  a month now I 'm paying  XXXX  but refused to give me documentations as to why or where i was short. i needed to contact my city and have the city call  Carrington mortgage company. They still have yet to get back to me or to notify what my paym ent will now be monthly. Everytime i call to address the situation they connect me to someone else then i sit on hold for almos t 45min then th e call ends up dropping. i feel violated and scared to know that these people hold my mortgage and there a re 1000 more like  me going through this with them right now. I am at a loss of words. this house is shelter for me and my family and i cant even change mortgage companies because i chose not to refinance. please help me please..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Central Portfolio Control Inc.
State: MO
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:
On XXXX it is showing a new debt of {$840.00} I do not owe and this company is unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLS FARGO BANK Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/ Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/ Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User

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 2016-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In 2008 I lived in a shelter for XXXX and had my identity stolen and a fraudulent credit card was used by someone using my personal information. I reported identity fraud years ago but this credit card is still being reported to the credit reporting agencies and a third debt buy agency has purchased this debt and trying to collect it from me. In the amount of $ XXXX.In addition the statue of limitations has run out on this debt and when these debt buying agencies report it as if it were a new debt. It is a capitol one Bank card. I never received this credit card and would like to have this removed from my credit reports. I do have records of a previous debt buying agency sending me mail and trying to collect this debt. I also have a copy of a credit report from years ago with this credit card on it back in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CASHCALL, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is a debt that I do not owe. I have been trying for years to obtain proof of this debt, but they refuse to provide it. They continue to harass me, my spouse, my family, and my friends. Now they are telling people that they are coming to my house to serve me with " papers ''. I have asked them to cease communication with me and my family/friends. I have made a complaint through the FTC and the Illinois Attorney General Office. I spoke with a gentleman at  XXXX   XXXX   XXXX   XXXX  who said that they do n't care if we make complaints, they will continue to harass us. He was verbally abusive to me and my family/friends. I do n't know what to do to make this stop. Please help.

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 2021-12-26
Company: Blockchain.com, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Long story short i began mining bitcoin in XXXX or XXXX let the computer mine by itself for years forgot all about it at the time bitcoin was worth les then XXXX cents i also had penny stocks and XXXX  i also inevested with a mining pool had basket shares in somthing or another anyway i found out bitcoin was worth XXXX XXXX day XXXX or XXXX started trying to find my accounts this is where my story takes a twist i was fairly certain i was a being tracked monitored on all my cyber activity alot of crazy things a phone turning on by itself downloading things without a sim card things of that nature i was ready to throw in the towel and then i see online on XXXX i think about a address that was under constant attack by hackers for the last 3 years just so happens i have a receipt with that being my change address from a transactio i made in XXXX so i follow the protocall and file not 1 but 2 complaints with the fbi through the XXXX what a XXXX joke i call the fbi again haha my local sheriff ftc consumer protection you guys this is prior to XX/XX/XXXX last year back to my complaint a couple days later i read someone hacked the account again somewhere on XXXX then it was made public the government siezed the account and now 13 almost 14 months later i still have gotten no input from any agency i feel like my rights have been violated XXXX i should also mention it was XXXX bitcoin valued over a XXXX dollars at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Southwest Credit Systems, L.P.
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 is not mine

Complaint:
A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report. 
The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report. 
Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander is so AWFUL! I have contacted them many times to send me a pay-out of all my payments that I have paid since I had this car. I got the car in  XXXX  and still owe  XXXX  dollars, my total in the beginning was  XXXX . This is for a  XXXX   XXXX  ( I needed a car and had to do it ) But It seems like every time I pay my balance stay the same. My Maturity is  XXXX  now but when I got the car it was  XXXX . Every time I ask them break it down to me they claim someone will call be back, or they place me on hold and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: LEXISNEXIS
State: GA
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:
I have asked   XXXX   to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  Lexis Nexis. I contacted Lexis Nexis   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to  XXXX  and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  Lexis Nexis and the letter from  XXXX . How can   XXXX    say they verified the info and I have proof that the public record is not in Lexis Nexis  database.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Netspend Corporation
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am filing a compliant against Credit Bureau Transunion, on XX/XX/XXXX I  disputed a Fraudulent account on XXXX/ XXXX my credit report ... thru Transunion & XXXX , Transunion sent results back as verified and belonging to me, however XXXX deleted the account. I also sent a debt validation letter to XXXX/ XXXX and receive a letter stating they will be no longer collect on this account, Transunion has not as of XX/XX/XXXX removed/deleted this from my credit report. XXXX/XXXX account # 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 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The claims in the amount of XXXX and also the claim for XXXX and the lady claim which is for XXXX needs to be fixed you guys have denied me for months now my claims are being approved but none is fixing the claims that put me in the negative this is my life i have nothing I can barely test some days because Bank of America refuses to do what is right and n my behalf and when they do they are still making me suffer with the negative balance under my account I am not trying to get you guys in trouble or anything I am just asking that you please put my money back where it belongs you guys have acknowledged the freaks under my account which is why I received the letter from you Guys please I just need to feed my child and my fianc please fix my account we had to skip XXXX this year because of this situation I have to choose between feeding my child and giving her gifts it was not fair to me or her I need answers I need my money please at least fix the claim for XXXX please!!!

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 2018-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I opened an account with Bank Of America and I tried to take my money that I put in my checkings account out at the ATM and nothing came out so I filed a complaint and got my decision and the said they couldnt find an funds and that I took my money out but it isnt true or else I wouldnt have filed a complaint and now Im out of XXXX dollars this is unacceptable and I wanted to know can you help? Im thinking about a lawsuit because this is ridiculous.

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 2021-12-26
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX chime in which is my bank from my understanding one of my family members or friends someone other than me to transferred two amounts {$500.00} and {$2300.00} of my money out of my bank account. I immediately contacted the bank they refused to stop payment. The reason I use banks is to keep my money safe not because I wasnt aware of not saving passwords to my devices until my phone got stolen I was not aware how to use the XXXX password saver correctly in which any one in our household or visiting could get my information and log into my account.

Company response to consumer: Closed with explanation