BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I filed a complaint with Chime bank regarding a purchase that I did not receive. I uploaded supporting documents showing the purchase date and the email communications where I attempted to resolve the issue with the merchant and also requested a refund that was refused. The merchant indicated that they could not issue a refund because Chime bank never released the funds to them. 

Chime claims that they are investigating the dispute and will resolve by XX/XX/2023 - XXXX months from the transaction and dispute date. They refuse to refund me or credit my account pending the investigation. 

I am unable to speak to the investigators and customer service only repeats the same basic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: WELLS FARGO & COMPANY
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation 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 2023-08-17
Company: Caliber Home Loans, Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten several calls from visible and unknown numbers claiming to have an urgent and important message from Nationwide Credit and Collections. They demand I call XXXX. I receive multiple calls a month from this collector and do not have any outstanding debts that I can think of. I have attempted to call back and they will not move forward with removing my information unless I " confirm '' specific personal information I do not feel comfortable revealing. I have attempted to send an email requesting my phone number be removed but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
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:
This is my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. 

I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle went into repossession. I was told to pay XXXX to stop repossession. I did pay that in the amount of XXXX! Today when trying to acquire a loan I was told that I have a Charged off debt on my XXXX XXXXXXXX XXXX! 
XXXX XXXX told me to pay to stop repossession, but after paying, they put on my credit that the debt was charged off as bad debt! I am still making my monthly payments and they never sent a letter or notice that they would charge this account off, even after catching up all payments to stop the repossession. Now my credit account is showing this account as closed and I still have a vehicle I am making current payments on. Deceitful practices! They gave no notice, letter or call saying after they receive my payments they would close this account. I paid in full to make this account current.

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 2023-08-17
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MS
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 noticed incorrect credit report inquiries and reported them to the bureaus with identity fraud and verification forms. The issues were not fixed at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see attached for the debt validation process I have initiated with this debt collector Williams Rush and Associates LLC. 

To summarize : XXXX XXXX  - debt collector received conditional acceptance affidavit letter by certified mail stating that I would pay based on them honoring my legally protected debt validation process. 

Reps continued to communicate with me absent of proof of claim. 

XXXX XXXX XXXX XXXX XXXX  received another certified letter, this time by a XXXX XXXX in good standing who resent my initial request and witnessed their non-response to the debt validation request. 

I have in my possession a letter from the original creditor XXXX XXXX XXXX XXXX XXXX I do not owe a balance. See attached. 

Thanks for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-08-18
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Mercedes Benz Financial Services
State: IA
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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 2023-08-18
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email regarding policy changes from Truist, however I've never had an account with Truist, BB & T, or Suntrust. I reached out to Truist and was able to verify my social security number, however the address didn't match so the would not release any information pertaining to the account. I have absolutely no clue as to what it is or what type of debt it is.

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 2023-08-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My father and I purchased a used car that was financed through Wells Fargo in XXXX through XXXX. Throughout the life of the loan we were charged late fees that was attached to the high interest loan. The vehicle was eventually repossessed due to Wells Fargo inability to work with me and my father as some of the payments had ran behind along with the the all of the add on fees that came with the loan. I wanted to make sure that Wells Fargo correctly reviewed the loan and if there were any payments that were recorded incorrectly or if there were any refunds due that they would be returned to us.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # starting with XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-18
Company: SANTANDER HOLDINGS USA, INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off my lease, and I requested a payment receipt because I'm applying for a mortgage, but they refused. and the monthly payment doesn't have a balance either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I need them to respond to the complaint and previous reports and send me the investigation and third party contact information

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 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has not provided validation of debt as requested. I also never signed a legal contract with XXXX XXXX XXXX, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CARD Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my debit card stolen in XX/XX/XXXX to the card company from the county jail I was in when I found at money was off acct.ive been prison sense that time & I don't get released until XX/XX/XXXX now at time I made report to card company & police there was XXXX dollars missing ok then more money was deposited to acct from my XXXX company that card company contuied to put on card that was stolen now it looks like this person my ex boyfriend who stold card out of purse who got my info out of my purse took the money admitted to my daughter & husband got the old money & new deposit out of acct now I never gave or told him he could do that & why would company keep letting someone take my info and keep getting my money when I'm in prison if anything they should have to give me money back after I reported card stolen that XXXX XXXX kept getting after I made report could you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I deposited money from one Wells Fago account into another and it was fraud. I had no idea that this was a scam. I have requested the return of my money as it went from one WellsFargo account to another. the amounts XXXX XXXX, XXXX, XXXX I really feel Wellsfargo can track this money down and get it back as it was in there bank. I hope that you can help me with this situation. 

Regards, XXXX 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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Looking at my credit report on XX/XX/23 and there was a hard inquiry to Chase bank/ JPMCB card service. I called them the same day and they were able to reject the application under my name and information and the following day ( XX/XX/23 ) there were another 2 applications to the same company under false pretenses. I called them again and they were able to reject those two as well. I have also since called the three credit Bureau and was able to freeze all three of my accounts. No money was taken that I am aware of at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I made a phone payment to United Wholesale Mortgage for my loan payment of {$1600.00} as they stated they had not received my allotment payment that the military had sent to them. On XX/XX/2022 I made another phone payment as they stated they had not received my allotment payment that the military had sent to them. At this point I was getting harassing 's phone calls from them. Both of these payments were not posted to my mortagage account by United Wholesale Mortgage for unknown reasons noone from their company could seem to help me. My bank statment was showing the money out to them, my military statement was showing payment that way so at this point they had double payments on my end and they were showing no payments on their end. In my frustration I called my daughter to help me as I was seeing the money coming out of my XXXX account and my bank account. At this point my daughter took control. We printed my LES statements and sent them they then " found '' the money from the military and posted that to my account that fixed that. They however can't find my money I paid from the phone payments. We have provided bank statements showing the XXXX payments to their bank, letters from XXXX XXXX all of this documentation and still they are unable to provide the payments to my mortgage or refund the money back to my XXXX XXXX account. At this point they owe me {$3200.00} along with the unnecessary late fees and finance charges they charged my account while they stated I was late when in reality is was them not posting my payments to my account both the phone payments AND the XXXX payments which is {$60.00} which may not be a lot of money to them but to me a XXXX retired veteran on a fixed income it is. Because of the questions my daughter has asked and social media questions she asked because she gets no response from the company they have since sold my loan with no notice and are now holding my XXXX mortgage payment that received from XXXX and not transferring that to XXXX XXXX XXXX Bank even though we have the XXXX statement showing their bank was paid the money. They state they can't find it. That is an additional XXXX that is owed to the new mortgage company. This is how United Wholesale Mortgage treats its XXXX and trying to work with the same person is useless that is absolutely impossible so every time I call in I have to talk with the same person and resend the documents so that person has to research it themselves and get back to me which never happens. I am at a loss and out of money. My daughter is out of money to help me. Please help me get my money back I have proven I paid them my bank records should be enough I don't know which of their customer 's loan has my payments posted to their account but I need my savings back and I need my current lender to get my XXXX payment because of course they are showing me past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A 1099-c form was accepted by the IRS on XX/XX/2022. This debt has been discharged by Nelnet , Inc. and is evident in the attached in the accepted Copy B and Copy C in this complaint. However, Nelnet , Inc. is still reporting to my account and to my credit reports that I owe this debt and this account hasnt been closed.

Company response to consumer: Closed with explanation