BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Wells Fargo refused the release estate account money, with a surrogate form and a death certificate. They insisted I needed an EIN, even though I have an estate account with XXXX XXXX XXXX XXXX XXXX. This is after they lost the POD paper work that would have allowed me to withdraw the funds as the beneficiary.

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 2020-08-09
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Blitt and Gaines never validated a debt that lead to my checks being garnished. As of this date, they have garnished almost XXXX XXXX dollars more than the amount owed and them not showing any evidence that this garnishment is ending and/or overpaid amount being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my Equifax and XXXX reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Exeter Finance Corp.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX I purchased a XXXX XXXX from Exter finance and received the title. I took that title and traded it in on my current car which is a XXXX XXXX XXXX XXXX. The dealership where i got my XXXX took the title and gave me credit for my car because I had owned it now years later Exeter finance is trying to say I still owe thousands of dollars for this car that has been traded in and payed for. Ive tried to contact them multiple times and explain to them that the car was paid off and the title was received they keep telling me that it was a mistake that I received my title and that I still owe a balance which is not true. I told him that I was going to dispute it through the credit agency and they told me to go ahead that it would remain on my credit for seven years. Their destructive behavior and destructive attitude is continuously bringing harm to my credit report my credit worthiness and opportunities. Please remove help me in dealing with this matter. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My compliant is that the credit bureaus are not properly verifying my disputes. I contacted both XXXX and Experian about the credit inquires that 's on my credit report. I advice them both that the inquiries not associated with my accounts was not properly verified by me and I want them removed NOW. I have spoken with many different representative at both companies. I asked to speak with someone in special handling in the US and they are still giving me the run around. Keeping me on hold for long periods of time. These inquiries are not mines, I did not allow those companies to run my credit at any time. I 'm asking that XXXX and Experian be placed under an investigation. Transunion are the only ones working to help me remove these errors place on the account. XXXX and Experian please remove inquiries not associated to my account. This error is taking a big hit on my account.

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 2020-08-09
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XX/XX/XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.

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 2020-08-09
Company: Westlake Services, LLC
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2016-05-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am suffering from a reduction of income by XXXX % and I reached out to the servicer of my mortgage to see if I could obtain a HAMP. I submitted all of the documentation and then a week later called the representative assigned to me. In that second conversation, she advised me the terms that FHA would give- and added that a {$40000.00} XXXX lien is going to be, no she stated exactly that, " a XXXX lien has already been filed on your house for {$40000.00} '' when I 1. was not even late with a payment and reached out to them in an effort to be proactive and not reactive 2. I had not agreed to any terms of any kind including what they were offering 3. a XXXX lien without any terms agreed upon places the house over the appraised value and would prohibit me from successfully selling the home. I have decided to attempt to sell the home and file bankruptcy. The terms that they offer is of little assistance. My complaint is the placement of the {$40000.00} XXXX lien when I in fact had not agreed to anything at all in any manner and was only seeking what options where available to me.

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 2020-08-09
Company: The Receivable Management Services LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I've been getting harassed by XXXX XXXX for over a year now and didn't answer their calls or blocked them because they're a scam company. Just recently a week ago ( late XXXX ) I receive a voicemail from Receivable Management Services LLC about a debt I owe to XXXX XXXX from XX/XX/2020 but the thing is I never ordered anything this year so I don't believe I need to pay this debt. I would like them to stop harassing me and leave me alone because I didn't do anything wrong. 

The amount I owe is {$260.00} from XX/XX/2020 ( NEVER spoke or ordered anything ). I tried calling but no one answered and their mailbox is full. 

Can you please tell them to stop or help me get this resolved so I can live in peace? 

Thanks.

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 2022-01-26
Company: OPTUM BANK, INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The fee schedule on the account is {$3.00} a month if minimum balance is below {$3000.00}. I have maintained a balance above {$3000.00}. They have been charging me {$2.00} monthly maintenance fee. I called ( repeatedly ) and they finally emailed me back that the fee schedule is $ 2.50/month if minimum balance is under {$5000.00}. The policy they are charging me for is not the policy listed on my account on their website. I suspect they have probably done similar to thousands ( or even millions ) of customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: Freedom Mortgage Company
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made XXXX payment in 4 years XXXXIve already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed

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 2022-01-26
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my debit card was stolen and all my savings of {$600.00} was withdrawn from an ATM at XXXX PST time I woke up in the morning and saw that my balance was low {$19.00} dollars so I immediately called the chime bank and told them that my debit information my card was used unauthorized in the amount of {$600.00} plus fees. I sumbitted a claim, it was investigated by them and then denied closed in less than 24 hours. I called again and spoke to manager she reopened the case however they took 1 week and denied and closed case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-08-09
Company: Experian Information Solutions Inc.
State: TN
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:
had called to turn my vehicle in XXXX they got it and are still reporting on my credit that my account is open and I've missed every single payment just wrong shoot they already wrong with their misleading advertising and tactics but that's for another day

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 2020-08-09
Company: EQUIFAX, INC.
State: TN
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:
had called to turn my vehicle in XXXX they got it and are still reporting on my credit that my account is open and I've missed every single payment just wrong shoot they already wrong with their misleading advertising and tactics but that's for another day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A few weeks ago, I logged onto my credit card account to pay off a {$1100.00} balance from a large purchase. I alternate paying my credit card with my XXXX checking accounts at XXXX different banks, one of which is Wells Fargo. At this instance, I meant to use the other checking account but mistakenly clicked on the Wells Fargo that did n't have any money in it. That is when all XXXX broke loose. 

As the credit card issuer made multiple pulls at an empty account ( I did n't know they could do that ), Wells Fargo charged multiple {$35.00} NSF fee. They continued to charge and charge and the amount went to over {$100.00}. 

What 's more, I am an American that spends most of my time XXXX. For Wells Fargo, that means I virtually am always locked out of my online banking due to 'security reasons ' and therefore can never have a great idea of my balance unless I make a costly international call to their customer service. 

Despite my best efforts, Wells Fargo only refunded a tiny amount. 

Despite this being a result of a mistake, Wells Fargo preyed on me, a very long-time customer, as they probably do to many others. My family and I, who have linked accounts, have been customers for decades and I feel cheated that this would happen. What with the huge scandal about fraudulent accounts as well as my personal struggles with them, Wells Fargo is definitely no longer a bank you can trust - if you ever could.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion a dispute letter certified mail on XX/XX/2020 and have yet to receive any information regarding the dispute. The letter was never forwarded back to me and according to the tracking information provided by USPS they did receive my letter.

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 2017-04-04
Company: Siggi LLC
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I had a loan with Omni while I was XXXX at XXXX back in XX/XX/2010. When I went into the office to let them know that my allotment was accidently deleted, and that when I started it back up, it may or may not post by the due date. Once I realized the payment never came out, I went into the office to make the payment. They told me it wouldnt be an issue. I later realized they dinged me with a 30 day late payment, and I have been fighting them ever since to remove the 30 day late remark. I made every payment on time with no issue, and it has been 7 years since that account was paid in full. I have tried numerous of times to get this account resolved, with no help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Resurgence Legal Group, PC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Zales account under Comenity Bank. I was charged an interest charge of {$4300.00} in XXXX which made my balance XXXX. I contacted my bank XXXX XXXX XXXX to send a payment on my behalf in which they did. On XXXX XX/XX/2022, XXXX XXXX sent a check of {$7700.00} ( check XXXX ), the check was cashed XXXX XX/XX/2022 according to XXXX XXXX. I sent a image of the check which shows the cashed date, bank, my name and account. To date, Comenity Bank has not applied this payment to my account. I have called numerous times, I have filled disputes and I am being told to wait while they research. I call weekly and interest rates and late fees continue to apply to my account. To date I am still waiting for my payment to be applied. Due to this prolonged delay and stress this has brought into me, I would like the applied interest of {$4300.00} to be completely removed. I would like the payment that was sent to be applied to my account and the balance sent back to me ASAP due to the inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: Eagle Accounts Group, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount child support enforcement of Kansas is asking for is not valid. I have had a payment made by the state of XXXX for obtaining my GED. I also was not the one that asked for this money or received it at anytime and my children never received the money either. The person that received the benefits did not use it toward my children.

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 2015-10-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Months have gone by since i disputed this debt with LVNV Funding, LLC that they purchased from XXXX XXXX XXXX. XXXX  XXXX XXXX   launched an investigation and it was concluded that this {$460.00} does not belong to me. I forwarded this letter to LVNV Funding, LLC MULTIPLE TIMES, however, they refuse to remove this debt from my credit report. Noone has contacted XXXX XXXX XXXX  via the letter i forwarded to them. I want this removed from my Credit reports ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified is currently reporting a collection account on my credit file that was paid in full to the original creditor XXXX XXXX XXXX XXXX. Once i made the payment i was told they would no longer report this debt on my credit file. I paid off the old debt in FULL as well. 

this had a huge impact on my credit file, i 'm in the process of buying a house and the mortgage company said this collection is hurting me greatly

Company response to consumer: Closed with explanation