BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On  X/XX/2017    an ATM cash withdraw in the amount of {$300.00} was made from our checking account during the night while my husband and I were both sleeping during the hours of  XXXX  and  XXXX  at an unknown ATM machine which we have never used at and area where we are not familiar with. At about  XXXX  I noticed the unfamiliar transaction and asked my husband if he had made it and he said " no ''. We have never loaned anyone our debit cards or shared our pin numbers with anyone. So I called  Wells Fargo to file  a fraud complaint and on   XXXX     they denied our claim.  Wells Fargo ob tained copies of pictures taken of the thief who used the ATM and still they refuse to honor our fraud complaint or reimburse our stolen funds. We suspect that our debit card was somehow cloned by the thief.

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 2021-12-22
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
the accounts was dispute however still on credit report in error from XXXX and XXXX court case that XXXX and XXXX agreement due to rent assitance XXXX would cofirm false info Lexis nexis company providing incorrect info for money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent a check via email for XXXX dollars and it was told to withdraw XXXX dollars and put them on gift cards and to send XXXX dollar through XXXX. All this happen on XX/XX/2021. I file a dispute and a complaint to all the people I can think of and now Im responsible for XXXX that I have to pay back. I contacted XXXX PNC, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: Platinum Holdings Group, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I continue to get calls from XXXX with Premium Asset Services in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 refinanced my  XXXX   XXXX   XXXX   XXXX   XXXX  .That was financed with  XXXX   XXXX   XXXX  in XX/XX/XXXX .In  XXXX , I fell on some hardship after maki ng 26 cu rrent/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in betwee n jobs.I mad e a payment in   XXXX  .That was n't updated to the Credit Bureaus that    XXXX   XXXX   XXXX     reports to.One  of the criteria for   XXXX   XXXX   XXXX  agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .  XXXX   XXXX   XXXX  .is  reporting my account as a  120 da ys past due in    XXXX   XXXX   XXXX  When  I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX   XXXX  which  took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the C RA manual in which the current  status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.  XXXX   XXXX   XXXX  has  a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as to maintain its accuracy. Their prior cur rent status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus : TransUnion, and  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 2017-05-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit report as of result of this I noticed I had this collection account with XXXX XXXX XXXX I  initiated a dispute with a XXXX dispute letter because the account does not belong to me and I was n't aware of this account I requested them to present me with a copy of bonding contract signed by me to which they replied to me by mail with six pages of paper page one stating the debt was valid, second page is a welcome too XXXX XXXX XXXX XXXX letter, third instructions to register the account online, fourth page Electricity Facts Label form, fifth page Disclosure Chart, sixth page thirteen state language form. None of forms provided as evidence are valid, I have also looked the company up in the Texas Secretary of State website and this company does not have the proper bonds and license to collect debt in the State of Texas. I am officially complaining about them and request this collection debt from their company to be removed from my credit immediately. Thank you, XXXX 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 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am very confused. Many years ago I put complaint with  XXXX  now Navient and I knew they wer misinforming me. Also, corrupt practices on interest calculation. I was so   XXXX   and felt I had no choice or options. Now I am on social security and can not afford the payments. I have been extremely misinformed over many years. The interest calculatios are fraudulent and corrupt. They need to remove some of this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a dispute online with Trans Union. There were several items that were paid and not showing correctly and XXXX items that were paid to the hospital and should not have been reported. Once I received the investigation results the XXXX items that should not have been report were listed as Verified and Not Updated. I called the issuing company and they confirmed that they reported to the Credit Bureau that those accounts did not belong to their company and to contact the original creditor. They sent me a letter stating that as well. I then contacted the Hospital ( original creditor ) they confirm that the account was satisfied. I called Trans Union XXXX to get a better understanding. Today being the XXXX call. I spoke with the initial rep who was having computer problems as was the case XXXX days before. I requested a supervisor who was also unable to help me and requested again that I call back at a later time. I do n't understand why the information was not removed from my credit report. If the creditor did not verify it as their account why was it not removed. I would like the XXXX items removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Bull City Financial Solutions, Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Debts that were over 7 yrs old

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 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is persistently reporting inaccurate payment history for my account named " XXXX XXXX XXXX '' with account number " XXXX ''. The inaccurate information pertains to the payment history for the period of XXXX to XX/XX/2017. According to their reports, I was 30 days late in XXXX, 60 days late in XXXX, 90 days late in XXXX, and then inexplicably 60 days late continuously from XXXX to XXXX. The reporting of being 60 days late for four consecutive months is particularly concerning as it doesn't follow logical progression of late payment reporting. I have disputed these inaccuracies with Experian directly in the past, but despite my attempts, the errors remain uncorrected. This situation is negatively affecting my credit score and limiting my access to credit. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2017-05-05
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened an account a t US  Bank in  XXXX . I deposited a PAYROLL check for over {$900.00} at an ATM machine at a branch today the   XX/XX/XXXX , 2017.      My name is  XXXX   XXXX  The machine told me that my available funds were somewhere just over {$100.00} and that the rest would be available soon. I went and started to spend money on small things I needed for my night/week that were well under the allotted {$100.00}.     Eventually, later in the day, my debit card was  DECLINED  as I tried to buy dinner at a  XXXX   XXXX  in  XXXX . Further investigation showed that my account was now OVERDRAWN by over {$100.00}. Mystified, I calle d US Bank and th ey told me that a hold had been put on the check. I complained, over the phone to the completely resource-less bankers a t US Bank 's  Customer Service Department, that the check was a PAYROLL check and that I needed the money to survive for the next week. They informed me that the hold would be fo r 5 busi ness days which means I will have no access to my own money, from a PAYROLL check, for over a week.     This is unacceptable as I need basic things like food and transportation with my check ( I have never had to wait this long for a paycheck to clear in my life, nor have I ever had a hol d put on one  retroactively after I had already been given a small advance ).

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 2023-04-13
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my information was shared with someone not associated with the home nor account in reference to possible foreclosure. This has caused me stress and serious embarrassment I submitted updated deed last year before the modification I thought was coming from Mr. Cooper comes to find out I have a 2nd mortgage with HUD in which I was unaware of. On XXXX XXXX I was behind on my mortgage and Mr. Cooper offered me a modification I sign the paperwork thinking the amount owed would be put to the rear of my loan not realizing they had got a loan for me from HUD and did not put one time towards my principal, all funds went to escrow and interest in amounts that has not even been incurred yet. When I asked I was informed that's how they had to process it to receive the payment. I feel like the modification was not fully explained and the money went to the mortgage company fro monies that was not even owed that's not right and I need justice. I also would like address a partial payment in the amount of {$1000.00} that was never applied to my account nor refunded to me XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing this d ebt collection fr om Toyota Finance Corp for t he following reasons : On   XXXX   2013 I lost my job,  I fell behind in my payments and notified  toyota that I could no longer pay the agreed upon pa yments. I asked if we could work something out and get into a program, I wanted to pay as much as I could until I got another job. I ended up owing them 3 months of payments about 1200.00. They refused to negotiate with me and repossed the car. They added on  XXXX  for the repossession and then started adding on additional chargesto sell the car and transport it to another state. I have no record of these charges. The  XXXX  I owed them became {$4700.00}, they kept adding on charges and interest. I could have had the car almost paid off by now. This was unnecessary on their part, they have ruined my credit f or four y ears and I have tried to come to an arrangement with them. They treated me completely unfairly. They want {$4700.00}, for a car they took from me when I only owed around {$1200.00} originally. That is completely unfair, they have the car and they unjustly charged me. I just want to settle this dispute so it can be removed from my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My vehicle has been  determined as a total loss by my insurance company. A payment has been sent to Capital One Auto to  apply to the auto loan balance. But, there is still a balance owed. I called  XXXX  to inquire if I  may  have my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I turned in my leased Infiniti G37 to Nissan on XXXX XXXX 2014 as part of my agreement to lease a new Nissan Altima. The car dealership did not return ( ground ) the car to its parent company until XXXX 2014. Resulting in false missed payments and serious delinquencies reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Conduent Incorporated
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Money never returned promised otherwise. Nobody even looked into my case, i have emails from numerous representives telling me many lies and controdicting one another.

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 2017-05-05
Company: EQUIFAX, INC.
State: NV
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 m y 2nd atte mpt to get this rectified with your organization in regards to thes e 2  accounts reporting on my credit file. I am making complaints against Equifax,    XXXX    and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these  2 a ccounts are on my credit file and where they originated from . I co ntinue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that.  Congress  states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company  at 3 s eparate addresses because the address listed on my credit file is not valid and was returned. I have only received  1  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mai l ( e ach time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on  XXXX  and  equifax.com th at the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.

Company response to consumer: Closed with non-monetary relief