BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'VE BEEN HAVING ISSUES WITH MY WELLS FARGO ACCOUNTS FOR SEVERAL YEARS NOW BUT EACH TIME I HAVE CONTACTED A WELLS FARGO REPRESENTATIVE ABOUT MY ISSUE I NEVER GET A ANSWER THAT I 'M COMFORTABLE WITH. I 'LL CHECK MY ACCOUNTS AND I WILL HAVE A CERTAIN AMOUNT THEN THE NEXT DAY MY BALANCE WILL BE EXTREMELY LOWER THAN IT WAS THE DAY BEFORE, WELLS FARGO WILL ALWAYS SAY I HAD PENDING TRANSACTIONS THAT DID N'T CLEAR YET BUT I KNOW IT 'S NOT TRUE BECAUSE I KNOW I DID N'T SPEND THAT AMOUNT BUT IT WAS NOTHING I COULD REALLY DO BUT EXCEPT WHAT THEY TOLD ME WITHOUT ANY SOLID EVIDENCE. THIS HAS BEEN HAPPENING FOR YEARS NOW AND IS STILL HAPPENING TODAY. I FIRMLY BELIEVE WELLS FARGO IS STEALING MONEY FROM MY ACCOUNTS BUT THERE IS NO WAY I CAN PROVE THIS WITHOUT A THOROUGH IN DEPTH INVESTIGATION AND EVIDENCE.

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 2015-10-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
Credit card company only provides 20-day grace period for credit card payment due date ( calculated from statement closing date XXXX, instead of the 21-days required under federal law ( from statement mailing date ). Also, statements are mailed out late, since they take over 7 days from the statement closing date for me to receive, and USPS first class mail only takes 2-3 days. The 21-day federal minimum is supposed to apply from the date the statement is actually MAILED, which is why most credit card companies have a 25+ day grace period. Even if they mailed out my statement ending XXXX XXXX 2015, on that SAME DAY, I still have 21 days to pay by federal law ( not 20 days ). My XXXX XXXX payment was made on the 21st day after the statement CLOSING date, but was still considered 1 day late, and interest charges for the entire previous month were assessed! Their due date practice of 20-days after statement closing date is illegal and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX/XXXX Ive disputed many times in all agencies the 120+ days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm just trying to get help with a collection account that I've been fighting for a long time. 
A collection agency is saying I owe over {$2400.00} for an XXXX   bill. I do not owe them {$2400.00}. 

I've tried speaking with XXXX  in the past and no one could ever tell me why they were charging me so much money. I had Service for XXXX  for several years. Whatever contract I may have signed with them should have been completed so there shouldn't be any outrageous charges. When they hit me with a bill that was several hundred dollars I called them and informed them I was cancelling services with them. I believe I even paid any fees they wanted at that point. To tell me I owe {$2400.00} is just crazy. 

Please help me in fighting this account. I do not owe it and the collection agency is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: TN
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:
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax, XXXX, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted Equifax, XXXX, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on Equifax XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian has improperly shared my information with collection agency law firm not for the purpose of employment or extending credit, I have been previously harassed by this law firm, who manufactured documents for claimed debt, and tried to sue me for debt released by class action lawsuit. Experian have improperly shared my information with at least XXXX such collection agencies who buy debt, refuse to verify it, manufacture documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Car was voluntary returned due to the vehicle being sold with too many issues ( lemon ) plus it is on the top 10 most stolen cars list which is unsafe. 

Bank branch promised to update the balance but has not and keeps continuing to call and leave harassing messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a letter from SUNTRUST, XXXX XXXX XXXX, XXXX, GA XXXX CENTER XXXX referring to " a hold during review of recent deposit ( s ) ''. I DO NOT, REPEAT, DO NOT HAVE ANY ACCOUNTS OR OTHER FINANCIAL RELATIONSHIPS WITH SUNTRUST. I sent the company a letter to the address provided stating this.

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 2017-10-15
Company: WELLS FARGO & COMPANY
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:
SPOKE TO XXXX  FROM XXXX XXXX CARDS SEVICES THEY CHARGE ME FOR ITME I DID NOT GET HIPPA AND CRA VIOLATION OF MY PROCTECTION RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Santander Bank Mail Code:XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX and XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX from XXXX, XXXX, XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

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
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Requested a deferment and never received anything back at all after several attempts. It is now reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Agency Act, account XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states have a right to privacy.

15 U.S.C. 1681 Section2 It also states a consumer reporting agency can not furnish a account without 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 2022-02-27
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank sends my payments in on the first and the loan servicing company doesn't apply them to my account until after the due date to charge a late fee. The bank mails my payment on the first and the loan servicing company applies it on the XXXX. THERE IS SOMETHING VERY WRONG WITH THIS! 17 DAYS TO GET TO THEM AND APPLY PAYMENT. They try saying that it is the post office. If this is true then how does the late payment reminder letter get to me in three days but 20 gays for payment to them. I sent a letter of thank you to a random business and they had it in 4 days. I called the post office they are not as far behind as the loan servicer is saying. What made me question this they have been servicing since XX/XX/21 and the last two months has been an issue. Yet the post office has gotten even better on deliveries. BSI Financial is fraudulently holding payment and applying them after the due date to collect late fees. None the less even if the post office was behind or their company was short staffed, that is not the consumers fault much less the consumers problem. This is fraud at the worst way and something needs to be done. I will be exposing this publicly and let the public handle this in the best way they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: AFNI INC.
State: CA
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:
I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my XXXX account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from XXXX stating I have a change in my credit I was sure it was AFNI updating my account to XXXX balance. yes, the new information was from AFNI but it was not reporting that I have a XXXX balance AFNI is now reporting that I still owe the half they agreed to settle with me and that my high balance was only the settlement amount and I still owe XXXX I also received a letter today from AFNI stating that they are still trying to collect the other half of the debt. I feel that AFNI deceived me by sending me letters stating that they were willing to settle my debt and once I paid the settlement amount they are continuing to try and collect the balance, I am seeking to find assistance as to hold AFNI accountable for their deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We purchased a brand new XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The loan agreement was for 240 months ending on XX/XX/XXXX. We had noticed that what we owed wasn't going to be paid off by the completion date. Throughout the life of the loan we deferred 3 payments that we knew of to the end of the loan. I do not have the years or dates this occurred but we knew we would paying longer that 240 months. In XXXX we received a statement with a payment amount of {$15000.00}. We paid the normal payment of {$620.00} and attempted to find out why we owed so much when we had fulfilled the loan payments. In XXXX of XXXX we received a delinquent notice for an amount of {$15000.00} requiring payment within 10 days or we would be turned into collections. On XX/XX/XXXX we called and made a payment of {$15000.00}. A few days later I called requesting information why we owed so much extra money. They told me that we deferred 3 payments in the life of the loan and the extra was for the interest for those deferred payments. I requested an amortization schedule for the life of the load and the dates of the deferred payments and the interest rates charged. They have never sent me anything and if you call they put you on hold and never pick up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX Informed XXXX  XXXX XXXX and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: Synovus Bank
State: PA
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : FSTPROGRESSXXXX-Balance $ XXXX-Date Opened : XX/XX/2018 FSTPROGRESSXXXXBalance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Westlake Services, LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle and XXXX  was then original lien holder for the car then subsequently taken over by Westlake Portfolio Management. I have paid off my account in 2019 and I still didn't received the title for my vehicle. I went to the DMV to request a title and I found that they never released the lien hold on my vehicle e ven after paying the entirety of vehicle loan. I reached out to Westlake and they sent me a notarized lien release and power of attorney indicating that they have taken over the original lien holder, XXXX. DMV Hawaii requires that Westlake Portfolio sign and notarized the Application of Title. Which they adamantly declined to cooperate and not allowing to obtain a title for my vehicle. I have spoken to numerous employees and even provided them with application and still nothing. I even tried to ask for their supervisor and I was told that the supervisor is too busy to speak to me and address the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Google Compare Credit Cards Inc.
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Google Wallet closed my account down because of some terms and conditions I abused that I am not aware of. Because of this, I am unable to pay for my storage. If I do n't pay for my storage, I will not longer be able to send or receive emails which is very important. I send and receive emails from the government, the CFPB ( you ), my attorney, court, doctors, family, work, and business. Unfortunately, this is the only way for me to pay for my storage. My email also has important legal documents. I have had this email since 2007. I ca n't even contact the appropriate dept. to discuss this nor can I contact them from my account. They redirect me to the same website. They are also requesting for documentation that I am willing to provide but their website wo n't allow me to do it because of the error and redirection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a call from XXXX attempting to collect a debt we do not owe. We looked the number up on the internet and found that numerous other people had the same experience. We found similar reports on XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation