BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has refused to CLOSE MY PERSONAL BANKING ACCOUNTS and instead continues to assess overdraft fees in an acount that has become overdrawn due to an illegal banking practice related to their BILL PAY PROGRAM ( complaint # 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 monetary relief
Consumer complaint received 2015-09-24
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX my now ex-husband and I obtained an auto loan with Navy FCU. At the time we were separated and he was responsible for making the payments since he did have possession of the auto. I was informed at one point that the loan was behind and when I spoke directly to their customer service department I was told that out of 40 months XXXX payment were late. I was also informed that the loan was refinanced to lower the payments and that I was still responsible. I did not sign any paperwork for any type of changes to the initial loan. I did not receive notice nor copies of the paperwork and it is still reporting on my credit report. I am sending a copy of the letter that was mailed to Navy Federal Credit Union requesting documentation of the account changes showing I am responsible. This was mailed XXXX XXXX XXXX. They questioned them in XXXX all they would state was that it was done legally. I want this removed off my report, I did not receive anything from them after requesting information and I did not sign any type of modification paperwork. I have disputed with the XXXX major credit reporting agencies and I 'm unclear how they are able to validate anything if I can not even get a copy of the paperwork that pertains to this just how are they? I want this removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
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:
I have reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan modification began in XXXX of 2015 ; out company XXXX sent in a complete modification packet and the bank began processing the application. The bank is refusing to grant a modification because they claim that the client make too much money. However, the bank has refused to take into account the fact that the client incur unreimbursed employee business expenses ( per their tax return ). Despite Wells Fargo 's usual custom & practice of allowing unreimbused employee business expenses to reduce the income valuation, Wells Fargo has for some reason refused to do so in this case. They have, instead, gone ahead to schedule a foreclosure date of XXXX XXXX 2015 without any reason for doing so. They claim that because they have sent the client 's file to a " Reentry Team '' which has imposed an absolute bar on the file getting approved for a modification. 

Wells Fargo has, for no valid reason, violated the client 's right to a Fair Review Process and have rejected any reasonable avenue to avoid foreclosure on this home. Every time our company has spoken to a Wells Fargo Loss Mitigation agent, they have always been bent on having the foreclosure process completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. 
This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I am showing a Hard Inquiry from Capital One Auto Finance on my XXXX  Credit Report from XX/XX/2020. I was looking at financing a car at the time but was only seeing if I was pre-qualified, not seeking actual financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: SYNCHRONY FINANCIAL
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 contacted Synchrony bank several years in an attempt to resolve a past due balance on my amazon store card. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with Synchrony, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.

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 2016-05-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX and Midland Funding are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. 



They are saying it is verified but where's my proof? What methods are you using to verify?

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 2016-01-12
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed a chapter XXXX bankruptcy in XXXX XXXX. The debt/account was opened in XXXX XXXX. In XXXX XXXX the chapter XXXX was converted to a chapter XXXX.Due to the conversion any debt that was due at the time of the conversion XXXX XXXX XXXX XXXX is now discharged XXXX XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have sent MCM an letter, the bankruptcy conversion info and the case law. No action has been taken by them to remove this account from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: IN
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:
I've recently checked my credit report and noticed items that didn't belong to me and accounts that i did not give consent or authorization for these accounts to be furnished I have reason to believe that this is a violation of my consumer rights under the FCRA none of these accounts have been validated by me the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express cancelled our XXXX American Express credit card account, but did not disclose that we would lose the cash rebate we had earned. The week of XXXX/XXXX/16, my wife had called to cancel the American Express XXXX Credit Card. She was told by a customer service representative that we could apply our cash back rebate of about {$15.00} to our final bill or we could receive it as a check. My wife was not able to complete the transaction because she was not the name on the account. I called American Express on XXXX XXXX, 2016 to cancel the account. The representative cancelled the account before I asked about the cash back rebate. At that point in time she told me that the only way XXXX could get the cash back rebate was to enroll in the XXXX XXXX program for XXXX. The very reason we were cancelling the XXXX American Express is that we do n't want to enroll in the XXXX XXXX program and were told by American Express in order to not be automatically enrolled we had to cancel by XXXX XXXX. I spoke to a manager who confirmed this information. I told the manager that we had been told we could apply the cash back rebate to our bill and that American Express had not disclosed that we would lose the cash back rebate by cancelling the card. The manager informed me that American Express was opening an investigation and that I could call back and get information in 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: Lazega & Johanson LLC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle from Drive Financial, which was purchased by Santander Financial. In XXXX 2008 the vehicle was repossessed and sold. The company stated that there was a remaining balance owed. Therfore there has not been any activity on the account since the repossessed date. However, the manufacturer changes the active date, so that the account stays will not remove from the credit bureau. In the Equifax reports it reads " This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' Please assist by removing this fraudulent information as an attempt to keep it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer Financial USA had put me on a do not contact list of some sort while I was a cosigner on a vehicle that they held the loan for. For 4 months, I had received no word on any missed payments or any information at all about the vehicle loan. I was put on a do not contact list without my permission which resulted in me not being contacted about 4 missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2016 Santander Consumer USA received a cashiers check in the amount of {$21000.00}. Santander claims they did not receive the check. Attached is a certified receipt from the XXXX. Postal Service proving the check was received. Also, attached is a clearance code showing the funds are available. On XXXX XXXX, 2016 a representative from Santander requested I fax in proof the funds were available. The clearance code and bank information was faxed to Santander. ( See Attachment ) The check was written by my brother, XXXX XXXX.

Company response to consumer: Closed with explanation