BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Several years ago Wells Fargo opened accounts without my authorization, more than the accounts I was choosing to open. 
I have dealt with multiple problems with these particular accounts not being closed as they claimed they had been. I made a previous complaint ( XX/XX/XXXX ) against Wells Fargo due to the issues of receiving debit cards for supposedly closed accounts. When I had attempted to contact them, nobody could help me and kept telling me incorrect information regarding this issue. When I was directed to the Executive Office, they were the least helpful and extremely rude to me. That is when I filed a complaint here. Wells Fargo failed to initially respond to the CFPB complaint in timeframe allowed. When they finally did, their response was from the Executive Office and although thorough, the issue had already been resolved at branch level by a competent employee of Wells Fargo. The response letter did inform of a monetary amount to me for {$120.00}. That was stated to be deposited within 2 statement cycles. This is has now not happened. When I contacted the Executive Office of  Wells Fargo, they placed me on long holds asked me numerous times for this case number and didnt seem to know or have information on this matter. As they did before they asked me for my number and will call me back once investigated. This is appalling that they seem to have no clue as to what I am calling about. They asked me where I got this information, I then read letter FROM Wells Fargo to the rep on the phone. I was initially respectful to the monetary resolution and the fact that the issues were addressed, but I have never received their customer appreciation monetary relief they stated would be provided nor does anyone know what is going on, nor have they called me back. They stated this before that they would call back and never did then either.

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 2017-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i had a bank account with Bank of america for a long time. It so happened that one of my friend owed me some money ( {$8400.00} ) He gave me a check which i deposited it in my account thru an Atm as I was flying overseas that night as my mother had died. when i came back i got a letter from Bank of America that they r closing my account as I have committed a fraud by depositing a bad check and that they r black listing me and i wont be able to open an account with Bank of America ever again. i was shocked by this most stupid letter ever. I tried to talk to them but they said they cant do any thing. they did not close my friends account and he is still operating it although he gave me a bad check. its not that i really want an account with Bank of America its a matter of principal that i have never done any thing wrong and y would they penalize somebody 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 2022-04-30
Company: Remex, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Remex Inc. posted a negative remark on my credit report without notifying me of this debt. No letter or validation of debt was mailed to me. After reading their countless negative reviews, I see they are doing this to many people. People are not being made aware of any debt and find their credit reports have been tarnished by Remex Inc . I do not have a contract with Remex inc . I do not owe Remex Inc any monies. Why would they post a negative remark on my credit without even letting me know there is a debt involved. This was posted on my credit report on XX/XX/2022. This is a violation of the debt fair act. 

I will reach out to the original creditor noted to investigate. This debt collector, Remex Inc. should not be allowed to do this to people. I would like copies of letters sent by Remex Inc. pertaining to this debt. I also want them to validate this debt and remove the negative credit remark on my credit report until this is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX  XXXX  account number XXXX. ( Please see page attached from my credit report. ) I filed for bankruptcy on XX/XX/2012. This loan was included in my bankruptcy and was discharged. The late payments reporting are AFTER the bankruptcy was discharged. This is a complete violation of the Fair Credit Reporting Act and these late payments need to be removed immediately and this line item needs to be deleted from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a reinvestigation dispute into a collection account that Experian is reporting on my credit report. The account in question is a XXXX XXXX account that is reporting incorrectly. I first disputed due to the fact that I have no contract with XXXX XXXX and Experian is allowing a fraudulent account from XXXX to report on my credit report. Experian provided no documentation once the investigation was complete so I submitted another dispute on XX/XX/2017. I received notification that the dispute was completed on XX/XX/2017, however, no documentation was received from Experian regarding how this account was verified. Being that this Experian reinvestigation took only 11 business days, there is no way that XXXX could have verified this account. I am still waiting on a copy of the original contract containing my signature to be sent to me. Experian has failed and neglected to send me any proof that the reporting account belongs to me. Under the FCRA, Experian is mandated to delete any information that can not be verified. They are in violation of 1681 ( a ) ( 4 ) of the FCRA.

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 2017-04-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been one to always stay on top of my debts. I have an auto loan with Nissan that I have never been late on. I paid my account via phone during the month of XXXX, when I called I was advised that I had fallen 30 days late. I stated to Nissan that I was aware that my payment was made on the XXXX day. However, I was told that since the payment would n't post until the next business day I was in fact 30 days late. I explained to the rep, I even spoke to two supervisors who advised me that there was nothing that I can do. I explained that I was a XXXX Vet and that I was juggling two households because I take care of my father under XXXX. I even wrote them a letter pleading my case. That I did n't intend to fall behind, I just let the date get beyond me. This is affecting my credit and my employment because I need a security clearance to perform my job. I am in jeopardy of loosing my job if I do n't get this late pay removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking and savings accounts with JPMorgan Chase Bank, N.A. I deposited a check signed by my father in the amount of {$30000.00} on XX/XX/2019 that was made out to me. The payor bank was XXXX XXXX XXXX. XXXX XXXX XXXX on XX/XX/2019 immediately transferred the funds of {$30000.00} to Chase Bank. Chase Bank used a computer program software called " XXXX '' to " hack '' and " cybertheft '' two checks of my father 's XXXX XXXX XXXX checking account without his prior consent. Based on those two cybertheft checks, Chase Bank stole {$30000.00} from my checking account and refused to return the money. Chase Bank claimed that the signature on the deposited check was " forged ''. Chase Bank without cause closed my checking account on XX/XX/2019. Chase Bank never proved the allegation of forgery on that check. I tried to recover the funds directly from Chase Bank because the money was earmarked to pay for my father 's funeral and burial expenses, however, Chase Bank refused to return the money. My father 's funeral and burial arrangements had to be delayed for six weeks. Eventually, I had to initiate a arbitration claim against Chase Bank to recover the money and other damages caused by Chase Bank 's refusal to return the money. The arbitrator forced Chase Bank to return the money with interest for the eleven months Chase Bank had stole the money. However, the arbitrator refused to force Chase Bank to pay for other damages such as emotional distress, interference with my father 's funeral arrangements, closure of my checking account, interference with my ACH agreements with third parties, Chase Bank 's illegal discovery of private banking documents ( tax forms and bank balance ) from my father 's XXXX XXXXXXXX XXXX  checking account. I am entitled to recover the other damages that the arbitrator refused to force Chase Bank to pay. I am submitting this complaint requesting the CFPB to assist me in the recovery of {>= $1,000,000} from Chase Bank for its criminal activities. Chase Bank should not be licensed or chartered to do business with the public. I firmly believe that Chase Bank 's actions were motivated by XXXX discrimination against me that a XXXX man having {$30000.00} being deposited in his checking account must be the result of some illegal activities on the XXXX man 's part. XXXX people do not have that kind of money legally. Chase Bank has had a history of discrimination claims brought by XXXX employees that resulted in a {>= $1,000,000} settlement. Chase Bank has had history of discriminating against poor and XXXX customers such as refusing to provide " private client '' customer perks to the poor and XXXX customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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:
Just pulled updates of my credit report! I dont see any changes! It makes me worries, because I dont know who is using my personal information. I never applied for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: VA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy.

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates

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 2019-12-19
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 additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX in XXXX, TX. I arranged financing through Chrysler Capital in XXXX XXXX, TX. Included in the loan I financed an Extended Warranty Service contract at a cost of {$2000.00} for a period of 2 years. 

On XX/XX/XXXX I refinanced the loan through my credit union for a better loan rate. 
On XX/XX/XXXX I received a letter from Chrysler Capital verifying they had received the funds to pay my account in full. They also advised me that I was entitled to a refund of unused premiums for the Service contract and that I should contact the seller ( Dealer ) about recovering unearned premiums. 
I went to the car dealer, XXXX XXXX on XXXX XXXX, XXXX and requested my refund and they refused to pay me. They claimed Chrysler Capital had my refund. When I called Chrysler they claimed somebody else had my money but the CSR I spoke to said he could not identify who that was. I am a senior citizen on a fixed income and I need my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit card accounts listed on my Experian credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit cards was reported as lost/stolen.

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 2021-08-12
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2017-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
this is not the first or even the 30th time I have reported WF but after reading class action suits against the lawyers who filed my foreclosure and in light of the help I sought BEFORE they filed foreclosure I am filing yet another complaint and I ask this to be reassigned. XXXX who issued the XX/XX/XXXX letter has not followed up despite my requests to do so. and I still have no information I am requesting. Also I do need copies of all ALL letters sent toWFHm over the years. This will be to attaich to my motion to dismiss foreclosure I will be fiing since I did not get the required 30 days from XXXX before a complaint was filed to cure the default and I have other concerns. I need to know if my property taxes have been re adjusted despite the loans status since I sent in information to do that from assessor office on XX/XX/XXXX. Also I want an explanation of the XX/XX/XXXX letter about XX/XX/2016 taxes fluctuation. I have requested that of XXXX XXXX subsequent to getting the letter of XX/XX/XXXX but have heard nothing. Also the homeowner specialist I spoke to a few weeks ago was very nasty. please re assign. I am working to get funding from hardest hit program since I appear to qualify. Please know I requested validation of debt BEFORE complaint was filed for foreclosure I got it AFTER the complaint was filed. So I have many concerns over this and will fight it all the way. Again to CFPB I need all letters I have written to WF sent to me requesting help to show the judge. 
I feel I will get scripts here. but know I have half the money to pay you. you want to sit in foreclosure status. with lawyers who appear sloppy due to high volume. please also ask them as I have to pdf me another copy of foreclosure complaint. I need to know the info I sent in on property taxes has been sent in. and included. also the person in SC I was told to contact in XX/XX/XXXX letter HAS NEVER RESPONDED.

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 2017-04-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.

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 2017-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from Capital One on XX/XX/XXXX. The one is XXXX XXXX inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation