BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of Wakefield Associates to report items on the credit profile. Being ill during the time of treatments, if out of network required treatment, nothing presented or explained during the time of visit. 

Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit 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 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
had a high interest savings account that I opened on XX/XX/XXXX. It was to be used for SAVINGS ... .and no way would I authorize 'payments ' FROM it. 5 random payments were made to " Cardmember Services '' as follows : - {$400.00} on XX/XX/20 - {$43.00} XX/XX/20 - {$75.00} XX/XX/20 - {$33.00} XX/XX/20 - {$390.00} XX/XX/20 Totaling {$950.00} When I XXXX this place I can't find a real place called " Cardmember Services ''. But some references suggest its a service to help with credit card payments. I have no credit card debt so no way could that be mine. I reported this to Capital One. They reversed everything than later took all the money BACK out of my account! When I speak to agents they say they are escalating the case but for now the case is CLOSED because the supposed Cardmember Services says I authorized this. It's UNBELIEVABLE that a bank would take their word over mine. XXXX the exact words on my statement yields with numerous complaints that others have had the same issue ... money taken out of their bank accounts in random amounts and times. The world is in a state of emergency, and I too live day to day wondering my own financial status. I need my savings! It's not acceptable for a bank to allow this to happen! It's a pandemic! People need their hard earned money. How on the world can you be so irresponsible as to let unauthorized transactions occur from a SAVINGS account??????? Savings accounts should be 100 % SAFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.

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 2015-11-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
I had a credit card with Chase Bank. Chase reported it, correctly, as a Charge Off in XXXX XXXX. On XXXX XXXX, XXXX Chase cancelled the debt, wrote it off as a loss, and sent to me a XXXX Cancellation of Debt form. I had to count the $ XXXX as income and pay taxes to the Federal and State of Ohio 's government on it. However, Chase kept reporting this as a charge off each month despite the debt being cancelled. I submitted to each agency the correct information and they cleared it off my credit report. Chase then reported, again, on XXXX/XXXX/XXXX that I still owed the debt to them on my credit report, despite them writing the debt off as a loss, placing it back on my credit report. There should be no reporting 's from Chase after XXXX/XXXX/XXXX. 
I have spoken with people from Chase repeatedly and the response I get is that I still owe them the money ( despite them reporting it as a loss ) and then he tried to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX continues to charge me for an account that is not mine. I own one card which is paid off and they authorized a second one without my knowledge or consent. In addition I have already disputed it with them. They have closed account and charged me full balance on all three credit reports. They have told me over the phone it was taken care of and balance would be removed. Its been lie after lie to the point I told them to stop calling me verbally and through email. Received another call this morning on XX/XX/2020 again charging me for balance. Total amount they claim due to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
knight adjustment bureau of XXXX Utah levied my bank account no notice no warning no documents telling me what for don't know total amount or what the debt is for i don't know total amount!!! my bank has no idea what its for or the amount all i know at this point is KNIGHT ADJUSTMENT NEEDS TO HAVE A FEDERAL AUDIT DONE ASAP i will be following this investigation and contacting every state and federal agency i have too the media as well if nothing is done

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: DLC, LLC
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call from Dollar Loan Center about a payment. The Caller ID stated " XXXX XXXX XXXX ''. The call came from XXXX. I do n't have an issue with receiving the call, but it seems very misleading and deceptive to use the title of a XXXX for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.

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 2016-11-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXXXXXX Business Information JPMorgan Chase & Co . 
XXXX XXXX XXXX XXXX, NY XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Customer Service Issues Problem description : I have attempted to contact the company for about a month in regards to a dispute. I have used their secure message center like it is supposed to be used. However, every message that I send is responded back with the SAME EXACT response as the one before and they do not answer any of the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: AR
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 had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was XXXX however the Collection Agency was XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Selene Finance LP
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our mortgage. Our loan went through XXXX different companies all of which were unwilling or unable to help including XXXX XXXX XXXX. We arrived with Selene Finance. We have been working out a modification program and waited for 3 months for them to get a program together including them having to resubmit the request to the underwriters due to the fact that they wanted to add the amount we fell behind on the end as a balloon payment which is illegal in my state. When they finally sent the modification program they demanded us to put down XXXX in about 3 days after we got the contract by regular mail. Then they wanted our first payment 6 days after that. When I was told by the gentleman who was working our loan they would not require the down payment ( XXXX ) right away and the first payment on the loan would not be due until the month after the down payment was due. I called my worker many times and to get him to call back had to call two or three times a month for the same question. Now I am due my first payment after they fixed my paperwork to make the first payment due XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX and they have not called me back to tell me how to send my funds. I also received a letter stating they had not received my contract but had received my XXXX down payment and I had emailed it. In with the letter is a letter to another loan that is due their paperwork and I had to call the company for them to send out a new letter to the other customer. Their down payment was also considerably less then ours. This company has horrible practices. Also XXXX XXXX XXXX refused to help AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Netspend Corporation
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
The Western Union Netspend card is only XXXX of XXXX prepaid cards I use to pay bills and receive deposits. This year I decided to apply my tax return ( both STATE & FEDERAL ) not knowing the amount of hidden fees that was attached to this card. I learned there is a {$720.00} daily ATM limit, however ; there is a cut off of $ XXXX {$300.00} per ATM withdrawal. Each ATM withdrawal has a {$2.00} fee attached. There is not option to increase your limit to illuminate the fees. I signed up for a monthly plan fee thinking it would save money but the card makes the money back once I make a withdrawal. I have attached a spreadsheet of the fees since XXXX ( {$290.00} ). 
If statements are needed I will be more than happy to fax them to you. These cards are only a setup to KEEP struggling consumers in a hole that is ALREADY TOO BIG!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Wells Fargo Closed my online checking account because their no activity for the past 2 months.I understand why they would close it but i would like it to be re-opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was left a message on my phone numerous times about a capital one dept they said I owed for over 5 years. I have never had a capital one card and I never will. There is no way that I owe them one cent. When I called and asked why they kept leaving rude messages that I owed XXXX dollars and that I would be sued for it if I didn't respond. The woman hung up on me. I called back and she said I will see you in court and that I could explain to the judge. The phone number is XXXX XXXX XXXX. I never got anything in the mail about any bill and when I asked to be sent one with what they said I owed and the amount and the credited she said they have already sent that and that " I'll see you in court ''. I asked what address they they had that was supposed to be mine and she again said I'll see you in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Experian score went down arbitrarily from XXXX to XXXX. I spoke with them on XX/XX/2020 and XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, Good morning. For the 3rd time now, I am writing in regards to a collections account on my XXXX and XXXX  credit reports from 'Hunter Warfield ' whom I 'm assuming represents 'XXXX XXXX XXXX '.
I never received any documentation on what they are seeking money for but I do know that they have withdrawn their claim multipleb times and it has vanished from my reports.
If it is in regards to a rental agreement, I provided XXXX XXXX with proof of me not getting paid from the veterans affairs and agreed to vacate their premises, WHICH I DID! I also had military and orders that sent me to Iraq. These people call me from time to time and due to our agreement and my military obligations, I could no longer live there. It been nearly 7 years and I 'm despedesperately trying to carry on with my life.
Best Regards XXXX XXXXs

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CORELOGIC INC
State: NV
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:
this should be 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 explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Bankruptcy

Complaint:
I had a bankruptcy and had a judgement taken care of within the BK, now Bank of America is refusing to release the lien they placed against my house for this judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened an account with US Bank in 2015, when I first started college. Sadly, school taught me everything except financial literacy. I admit I was oblivious to the gravity of the situation I was in. I was taking out loans to go to school but still struggling to make it, so I opened a credit card with US Bank. After 5 years of accrued interest, the account was closed. There was a balance left of {$940.00} out of a {$1000.00} credit limit.

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 2017-01-28
Company: College Foundation, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have had several loans serviced by College Foundation that have been purchased by XXXX XXXX and XXXX. I accrued late charges and interest and was put in deferment even while I was in school. They listed negative marks on my credit report while I was in school and now, will not remove the negative items from my report. It has been over 5 years that I have attempted to have these items removed.

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