BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Autovest, L.L.C.
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To whom it may concern, On XX/XX/XXXX, a complaint was filed with the courts of XXXX XXXX WV. to issue a judgment for a repossessed vehicle. On XX/XX/XXXX this complaint for judgement was entered/granted to the plaintiff, Autovest, LLC Assignee of XXXX XXXX XXXX  against me ( defendant in the matter ) in the sum of {$7400.00} with accrued interest of {$3900.00}, at a rate of 14.9 % interest per annum from the date of filing or relief and the costs herein expended. This case has not been settled nor pushed for relief until 10 years later when Autovest law office issued a " Writ of Execution '' on XX/XX/XXXX to seize my property via sheriff in attempt to satisfy the then amount balance of {$18000.00} that they say we owe, this " Pracipe For Execution '' or Writ was to be kept alive for 90 days. On XX/XX/XXXX the sheriff returned for comment on this that said, " Returned. No Property Found. '' Since then, no movement for relief has been sought by either party until XX/XX/XXXX when the Autovest 's attorney issued a " Suggestee Execution '' order to garnish my wages in the now amount due {$21000.00}. This recourse is unacceptable due to the statue of limitation being up on this matter of debt collection and any actions pursuant to. Do you have any suggestions on how I can remedy this predicament or how I may protect my wages from this illegal garnishment/action? Your assistance with this matter would be greatly appreciated! I can only imagine how many other consumers are faced with the same challenges as I am with this company. 

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 non-monetary relief
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
last year chase bank was informed that i never received the new debit card they indicated had been issued to me/ at that point in time, the bank was contacted because someone had ordered aand services using my bank card. 
the issue was never solved, the debit card never received, at said point in time, the bank was informed to close the acct and return the remaining funds and disputed funds. debit me for disputed funds paying same after being informed of the id theft. consequently, they additionally continued debiting the acct for monthly fees until all funds were disappaited r.after which, the bank continued to charge me for these items placing me in jeporday for same. 
in addition, they fefused to pay two cashiers checks in the amounts of XXXX and XXXX dollars. they have refused to reissue said checks in addition to the items listed above. the checks were issued by wasington mutual bank of wich they were hereditors, assignees, and or heirs to after havingabsorbed washington mutuaXXXX, XXXX XXXX and XXXX XXXX. in addition i have 8 certificates of deposit with the oroginal banks which now exceed 7 figures, again refusing to cure this situation on the part of the bank all attempts to resolve these issues were pursued with due diligence on my part and refusal to correct these errors on their part im a XXXX of a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: OH
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 recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2021-04-19
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Attempted to deposit XXXX $ into the Binance.us exchange on XX/XX/XXXX, deposit failed from the Binance.us side, however XXXX was taken out of my bank account and now that XXXX is missing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX  on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

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 2022-01-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have contacted the mortgage company several times about the a {$7000.00} K fee that can not seem to be explained to us. We 1st had our mortgage with XXXX. Citi is saying that we have a loan with them that neither of us can point to that we had. Later the loan was sold to XXXX XXXX. It has now been sold to a XXXX XXXX. It still has this XXXX fee that no one seems to have an explanation of why it is there. There are no specific dates that I have that can be supported. We have been trying to address this issue for over 10 years now with no results.

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 2019-10-10
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: Reporting company used your report improperly

Complaint:
XXXX XXXX running credit with out permission that I did not agree on. Was misled by a company called XXXX XXXX in XXXX XXXX. Was told they can go back 17 years in which is not allowed by las as was told by XXXX over the Phone. I was also told they was merge with Experian. I have also filed with the US Attorney office regarding this situation.

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 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-06-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Balance Transfer with this credit card that I initiated on XXXX for {$15000.00} with a 0 % promotional rate. I still have been making small purchases on my card, which have been paid in full within days of the transaction being made on my account, yet month after month I am showing a higher amount subject to interest and the interest due increasing. I have made payments in excess of the minimum, but Chase has not been applying those payments to the purchases with the higher interest rate as stated in the credit card act of 2009. I have attached statements to support my claims, but here is the key points in a nut shell. 

XXXX Balance subject to Interest {$0.00} Purchases {$200.00} Payments {$330.00} XXXX balance transfer of {$15000.00} fee {$600.00} XXXX Balance subject to Interest {$130.00} Interest charged {$2.00} Purchases {$250.00} Payments {$390.00} XXXX Balance subject to Interest {$280.00} Interest charged {$5.00} Purchases {$290.00} Payments {$5700.00} XXXX Balance subject to Interest {$330.00} Interest charged {$6.00} Purchases {$440.00} Payments {$660.00} XXXX Balance subject to Interest {$460.00} Interest charged {$9.00} Purchases {$200.00} Payments {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Yes I called XXXX CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specialized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT. EXPERIAN XXXX WITH RETURN RECIEPT ALSO. Which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX and I DEMAND REMOVAL IMMEDIATELY!!! XXXX AND Experian have conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX and EXPERIAN IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.

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 2019-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a refrigerator for {$1400.00} using Wells Fargo Credit card, the refrigerator makes loud roaring sounds, I called the merchant but the merchant was of no use and did not solve the problem, so I filed the dispute with Wells Fargo and they gave 30 days to the merchant to respond, merchant did not respond in 30 days and Wells fargo made the credit permanent. Now after two months merchant contacted Wells Fargo and said that now they want to respond and Wells fargo opened the dispute again. This is not how it works, Wells fargo have a standard procedure and they should follow it.

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 2021-10-09
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out the loan through Sallie Mae in XXXX for my daughter. Along the way, the loan moved to Navient. I was encouraged to place the loan in forbearance and this happened several times in the past XXXX years. My original loan amount was {$18000.00} and I am now being informed that I owe an {$30000.00}. I did not understand the implications of placing the loan in forbearance and was encouraged by the Navient team to do this. In addition, due to the accumulating interest, I have been unable to keep up with the payments and my co-signor has been receiving letters from Navient. Needless to say, I feel that this is an invasion of my privacy and very upsetting. I feel that I qualify for the Navient lawsuit and want to be included to receive a discharge of this amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred From XXXX to LoanCare effective XXXX/XXXX/XXXX. I was sent documentation from my previous loan servicer informing me of the transfer as well as LoanCare 's mailing address. I subsequently sent a payment by check to LoanCare 's XXXX. XXXX on XXXX/XXXX/XXXX. 

After noticing on XXXX/XXXX/XXXX that the check had n't cleared, I contacted LoanCare 's customer service department. I was informed to place a stop payment on the check and make my first payment to LoanCare by phone. I was also informed that any fee to process payment by phone would be waived as I am a new customer. I then set up ( with the customer service representative ) an auto draft schedule for my monthly mortgage payments. 

This afternoon ( XXXX/XXXX/XXXX ), as instructed, I contacted my bank and placed a stop pay ( costing me {$30.00} ) on my initial loan payment check. I then called LoanCare to make a payment by phone to find that ( as I have n't been sent any of my loan information ( e.g. account number ) so I could setup and pay from an online account ) I could either pay a {$12.00} processing fee to pay by automated phone service, or a {$15.00} processing fee to speak to a representative and pay. I opted to speak to a person, under the impression the fee would be waived. Once I was connected to the representative, I was informed that, despite what I the previous representative stated, not only was I still subject to processing fees ( thankfully the processing fee was waived ), but that a stop payment would n't ACTUALLY stop the payment on the check. Rather, LoanCare would still try to process the stopped check and I have would be subject tp ( yet another ) fee of {$20.00} for insufficient funds.
In summary, LoanCare 's inability to process a payment in a timely manner and misinformation of it 's staff has potentially cost me an extra {$65.00} on top of my mortgage payment. This is NOT an acceptable way to begin a business relationship. And judging by the many similar scathing reviews online, I 'm not the only unhappy customer. 

How LoanCare can resolve this issue : I respectfully request that LoanCare reimburse me for the stop pay I was instructed ( by a LoanCare representative ) to place on my initial loan payment as well as any subsequent fees and fines I may be subject to pay to my personal bank ( i.e., Insufficient Funds fee ). I also request that any Insufficient Fund fees to be paid to LoanCare by the homeowner be waived.

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 2020-10-07
Company: Experian Information Solutions 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:
XXXX, Experian has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling XXXX please help me This are accounts Are fraudulent.

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 2017-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capitalone rewards credit card which I opened back in XXXX of XXXX. This card carries a yearly fee that has kept going up and currently stands at {$99.00}. 
I called in XXXX, I believe, because I wanted to switch the cards as I did not see a benefit to having a rewards card. I was told the fee is not due till XXXX, XXXX and I should think on what I would like to do. I called back in in XXXX prior to a vacation. The agent with whom I spoke informed me that she can switch the card to a card without a rewards card but she can also see about waiving the fee but she cant do it until after the fee has been charged on the account. 

Lo and behold, I call in today to see about the fee waiver and I was informed the fee cant be waived and theyre happy to switch the card to a different card. When I informed the agent that was not what I was told as I had called previously, he tells me hell pull the call and if its true the agent advised me of that hell see what he can do about the fee. 
How these lying dogs stay in business is beyond me and is the fault of the government. Ive been through this before. Theyll claim their agent never said that or nothing was ever documented and they ALWAYS document their records. 
This needs to stop. Consumers are already being defrauded by these people. Where does it ever stop? Why would I want to switch the account after theyve charged their fee? I may be a lot of things but I am not stupid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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