BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am requesting an updated address and name information on all three credit bureaus.I 've contacted each credit bureau individually via phone and postal mail services with no resolution. The inaccurate information has caused a financial blockage which has added additional stress to my day-to-day life post-pandemic. With limited access to resources, I am currently living house to house with loved ones as I attempt to survive.

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 2015-08-26
Company: Convergent Resources, Inc.
State: GA
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:
I ordered XXXX cable/internet service in XXXX 2013 for my apartment. I cancelled service and returned all equipment in less than XXXX days, and have been told on multiple occasions by XXXX representatives that I did not owe any money because of their " 30-day money-back guarantee ''. I received several bills afterward and have been harassed by debt collection agencies ( multiple phone calls a day ) for the past two years regarding a ~ {$200.00} debt I do not owe. Every time I reach out to XXXX they confirm that they see on my account that my equipment was returned in under XXXX days and I should not have been billed. They also continue to promise me that they would clear my account, yet the harassment continues. I have wasted countless hours dealing with this issue for the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
See ATTACHED reponse from me on the matter below ase number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX : Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. 

Upon receipt of your inquiry, the Consumer and Small Business Executive Office also reviewed this dispute. While it is disappointing to learn that you may have been the victim of a fraud scheme, we agree with the decision previously communicated to you by our Claims Assistance Center. Because the transaction was made by you we are not able to follow up with the merchant on your behalf. We recommend you contact the merchant directly to resolve the issue.

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 2022-11-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My mother died XX/XX/2022. 
I and my brother are the sole named beneficiaries in the will to inherit the house that has a Home mortgage note of about {$45000.00} and a Prime Equity note of about {$180000.00} held by Wells Fargo Bank , N.A . 

I have sent all Death Certificates, Wills, Affidavit of next of kin and requisite information to Wells Fargo yet they refuse to recognize me as the term they use " confirmed successor in interest ''. 

My rights to assume the mortgage by the XXXX XXXX XXXX XXXX are being denied and I will soon pursue litigation should they not be immediately recognized. 

My rights under the Truth in Lending Act and Real Estate Settlement Procedures Act are likewise ignored. 

This is a clear pattern of systemic fraud on behalf of Wells Fargo of pretending to attend to your rights as a beneficiary while in parallel foreclosing on a home.

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 2016-08-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Entity describing itself as CONVERGENT OUTSOURCING : Daily -- and some days twice daily -- computer calls to my telephone leaving a message that I owe a debt and asking that I call. When I call, I am put on hold or given excuses -- THEY HAVE NEVER IDENTIFIED THE DEBT THAT THEY ARE TRYING TO COLLECT. To my knowledge, I owe no debt. My credit rating is superb and I have not received any type of written notice regarding any debt. I have been at my current address for more than 12 years -- thus, if any debt exists, a written notice should have arrived. None has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I purchased the XXXX XXXX XXXX at XXXXXXXX XXXX  in XXXX MD. It is financed through Credit Acceptance Corporation. The purchase price was roughly {$18000.00}. 10 months later, as in today, XX/XX/XXXX, the vehicle price has almost doubled. I know owe over {$32000.00} on this vehicle. 

After much research, there are 3 recalls on these cars, as well. Specifically, my car had a recall on the airbags. I no longer feel safe driving this vehicle. I feel like I am going to be stuck in this vehicle for life and I feel as though Credit Acceptance practices predatory lending especially to the impoverished and uneducated. Modern day snake oil salesmen/corporation/company . 

Reading all the consumer complaints, etc. I feel as though I've been sentenced to a death loan. Meaning I will be paying this vehicle off until I die, or I will die in this vehicle because of the recall. This is completely unfair and as a consumer the amount of information presented to " just sign '' is overwhelming. 

Credit Acceptance is a death trap. Do NOT finance with them.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I contacted TransUnion, informing them that they are in violation of my consumer rights. Pursuant to 15 usc 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As the consumer, I, XXXX XXXX, do not consent to any information being furnished on my report. I have stated this to TransUnion and they have informed me that the reporting on my consumer report was accurate.

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 2021-06-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to a credit card with Citibank. Citibank denied me the card, stating my information on the my XXXX  credit report is does not have enough history. I actually do have plenty of history, it is just that my accounts have been closed. Before I applied, i verified with Citibank for this particular credit card I applied to, and they told me that they are accepting and approving applications this year and last year due to the Pandemic even if applicants do not have much information on credit file. However, Citibank did not keep their promise and denied my application. I am requesting an explanation as to why. 

Application ID : 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 2022-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings to all at the CFPB. Thank you for your service. It has come to my attention that a private company called Portfolio Recovery Associates is committing many violations against my Estate and my Name. My question to the CFPB is how can a private for profit company be allowed to collect and obtain my personal information without my knowledge, written consent, or court order? Does the CFPB allow companies to do as they please? I have requested that Portfolio Recovery Associates provide to me a proof of Authority that allows them to purchase, and collect the personal information of XXXX XXXX without a license at California where I live, my written consent, or court order. This is clearly identity theft by corporate bullies. 
My family is unable to obtain goods for our household like housing. This has to stop. I am asking that the CFPB regulate the false and deceptive business practices of PORTFOLIO RECOVERY ASSOCIATES. This is devastating to my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
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've reached out to KIA Motor Finance several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. KIA never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help resolve this matter.

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 2017-03-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I opened a business bank account and later I decided to open a merchant account. I was n't informed that the bank decided to open a merchant services account. 
this included a 36 month credit card machine lease, # 2 included gift cards and credit card machine. I DID not ask for merchant services. I even got my business name changed and also my name was changed five ( 5 ) times. Two people were on a business billing statement. They even sold my fruadulant accounts off

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 2021-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a business checking account, and someone withdrew twice, in the amount {$4900.00} and {$4900.00}, in the form of ACH, as a result I contact my bank, that said I only have 24 hours to report these transactions as fraud from the date of publishing, meaning I have less than 24 hours to handle everything, which I did, but then they are requesting 10 days to get back to me, and that is a lot of money from a vendor I never use. The transactions are by XXXX, that I have already reached out and wanted to give a warning, but they said I can do nothing with them, and that I would need the member who withdraw my money on the account to talk to them, and I was unable to report that as fraud with them.

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 2021-06-19
Company: Resurgent Capital Services L.P.
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:
THESE ACCCOUNT ARE FRAUDELNT AND ARE REPORTING IN MY CREDIT REPORT I HAVE REPORTED THIS PROBLEM TO XXXX  XXXX XXXX IN SEVERAL OCCASION XXXX  XXXX XXXX # XXXX ... 
XXXX  XXXX XXXX # XXXX 
LVNV FUNDING LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted my first complaint XXXX on XX/XX/2021 because I was wrongfully denied for the Apple Card by Goldman Sachs due to a reason given that I had recently experienced a charge off. I spoken with XXXX and they verified that there was no recently experienced charge off. I submitted a second complaint XXXX on XX/XX/2021 about a similar problem with applying because I was still being given the same reason of denial which the last date of denial was XX/XX/2021. I was given a response to my complaint on XX/XX/2021 that the bank only allows a certain amount of applications within 30 days. I was told by the Apple Card Specialist Manager that I had to wait 30 days from the date of my last application to reapply via a phone conversation. Now it is XX/XX/2021 ( after 30 days ) and I am still not able to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
THE DECEPTION OF TD BANK I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citicards is a XXXX company. They refuse to fix their Online Statement system for XXXX Americans. 

On the webpage, I am on the statement for XX/XX/XXXX. 
On the Webpage, I see charges up to XX/XX/XXXX. 
When I download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. 

Then when I go back to the webpage, and do " Load more transactions '' for that statement billing period, click Download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. They are cutting of the VERY Last date on the Statement XXXX download. This is an IT level system bug. They need to fix it, and stop misreporting transactions for customers. They refuse to fix it for XXXX and Minorities. Very XXXX company.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX Account name XXXX XXXX  : Account XXXX XXXX  has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a letter that said I would receive a {$75.00} credit if I spent {$500.00}. Now they are saying its only a {$50.00} credit and won't honor the {$75.00} without me having to give them the letter they sent me. They also said they won't post the credit to my account for 60 days so they can charge extra interest.

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 2016-12-17
Company: Northern Alliance Management, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Northern Alliance Management/NAM contacted numerous times threatening to call the " feds '' on me bc I supposedly owe a credit card bill. They refuse to provide debt validation only a pay off offer and that 's on via email. They scream at you and then hang up on you. They have been advised until they send us via US mail a debt validation letter not to contact us. It 's in my name only but continue to call my husbands place of business looking for me. They have both my home and cell. They leave rambling messages on vm stating they 'll either come and pick me up or come serve me papers or call the " Feds '' to come and get me. When they leave a vm they do n't advise it 's an attempt to collect a debt nor do they do so once they have you live on the line. They use numerous phone numbers to contact me via. They use a robo caller asking for me to hold for the next available rep. We informed them we suffered ID theft therefore we needed the debt validation letter, I was told that yup all dead beats as myself who refuse to pay her bills say such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: SECURITY FINANCE CORP
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they have been calling three to five times a day. calling my family members. coming to my home after hours. dropping off information about loan to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Ready Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an impound account with GMFS LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX ( XXXX ) XXXX. 

On XX/XX/XXXX I submitted a Property Tax Payment of {$2400.00} and ; thereafter, realized that property tax payment was an error due to the fact that GMFS should pay for the Property Tax of XXXX ( I have an impound account ). 

I contacted XXXX XXXX ( Georgia ) and customer service stated that Property Tax Payment was accepted ; therefore, I should contact my mortgage company and explained the mistake ; therefore, GMFS could process my refund of {$2400.00} XXXX contacted customer service of GMFS ( XXXX ) and I was instructed to contact them by XX/XX/XXXX when the Property Taxes are paid and request GMFS for an Out of Cycle Escrow Analysis. 

That after Escrow Analysis, GMFS would write me a check refunding for the Property Tax paid by mistake and the refund would take 6 ( Six ) to 7 ( Seven months ) to be processed. 

I also contacted GMFS Tax department and unfortunately they can not give me a straight and consistent response to the same question. Every time that I contacted GMFS customer service I received a different response than the previous ones. 

My last secured communication with GMFS ( XX/XX/XXXX ) below GMFS response : Thank you for your inquiry. After a review of your account it reflects that you spoke with an agent in the tax department on XX/XX/XXXX. The agent assisted you with the requested information and that the tax payment will roll over to XXXX. The next disbursement will not be till XXXX I'm flexible ; however, to keep my funds ; it will not be an option for GMFS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: GATEWAY FIRST BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
company has gathered my valuable personal data and provided pre-qualification but will not respond to e-mails or calls to honor request for extension of credit or provide pre-approval. sent several e-mails requesting aid and have not received any accommodation from lender nor any communication. This is causing delays and missed opportunities as I have a property I would like to have qualified or pre-approved to provide realtor. presently MLS # : XXXX and MLS # : XXXX.

Company response to consumer: Closed with explanation