BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a check that I received from a vehicle for a sale of a vehicle XX/XX/XXXX. I went to check on the status of this about a week and half later and they said that this just normally takes longer because of processing. My check cleared XX/XX/XXXX and they closed my account XX/XX/XXXX, without any permission and prior notices. I realize my account is completely closed on XX/XX/XXXX and attempt to reinstate my account. They restricted and closed my account just because they could not verify the issuance with the dealership! Once I showed them how to contact the dealership they verified it, apologized and said they could not reopen my account. I am in good standing and have over 5 accounts with chase so the fact that this happened is baffling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
not abel to log in to my credit scoor,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: NAVY FEDERAL CREDIT UNION
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
NICHOLAS FINANCE XXXX Was opened on XX/XX/2015 with total balance of {$8600.00} .. this account was opened and I dont know please check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BRite Financial Services, Inc.
State: MI
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:
I am XXXX XXXX and Im submitting this complaint myself there is no third party involved. Pursuant to federal law 15 USC 1692a ( 3 ) I am the consumer. Pursuant to 15 USC 1692g ( a ) BRITE FINANCIAL has failed to validate this alleged debt. 
XXXX XXXX at XXXX. XXXX XXXX Signed for and received a cease and desist along with an affidavit of truth and bill of Particulars to compensate i for the damages thereof. 
Upon receipt of this notice Brite Financial pursuant to federal should have ceased all communication acknowledged receipt of notice AND Invoke specified remedy by creditor which was listed in Cease and Desist pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1666e BRITE FINANCIAL has forfeited any right to collect any amount disputed and finance charge thereof for failure to comply with requirements of 15 USC 1666a. 
As of XXXX XXXX XXXX Brite Financial is in violations of 15 USC 1692c ( b ) for contacting XXXX XXXX XXXX and XXXX about this account arranging for auto theft of my property. Brite Financial has admitted on a recorded line that they received cease and desist which means Brite Financial has willfully and knowingly contacted a person about this alleged debt. This property was paid for in full mail its my credit card pursuant to 15 USC 1602l and 15 USC 1602i. Brite Financial has attempted to take non judicial action by attempting to seize my property which is a violation 15 USC 1692f ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has been charging me {$24.00} per month to be a paid member of their credit reporting services. After reading and reviewing my Experian credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. Being a paid member I have requested from Experian to refund me all of my money that I have spent and they refused to refund me anything. 

I am unable to open any online disputes on the Experian website, I had to print out my Experian credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Experian. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Experian. 

I am demanding that I receive a full refund and my Experian credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. 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 explanation
Consumer complaint received 2015-07-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Sent a wire transfer to hold a vacation rental in XXXX XXXX Florida to Wells Fargo which turned out to be fraudent date sent from my bank XXXX XXXX XXXX Pa was on XX/XX/XXXX2022 for XXXX dollars.I have conacted my bank and are trying to talk to wells fargo with no luck.I have also tried to contact the bank with no responce.I have a Name Routing number Account number Debit Authorized acc number Fed Routing number Account Number. It was for a condo in XXXX XXXX XXXX listed on XXXX web site be aware this is not the first time this has happened

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 2022-11-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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 an 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 2021-09-29
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My grandmother took the loan out with me I was not of legal age. In the middle my grandmother passed. My mother tried to pay the loan but they would not speak to her. Now I am having some mental issues that they were supposed to email me papers they have not and call my mom 7-10 times a day. And they are killing my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CITIBANK, N.A.
State: NJ
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 CALL CITI BANK ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO XXXX XXXX XXXX, XXXX XXXX ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO XXXX ). 
I ASK THE CITIBANK AGENT IF I OWN CITI BANK ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL XXXX XXXX XXXX, XXXX AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH XXXX XXXX BUT I NEED TO PAID XXXX XXXX DUE THE FACT I OWN CITI BANK .... ( XXXX ) I DO NOT OWN XXXX XXXX NOTHING!!!! 
WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.

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 2015-07-28
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX auto accident, rushed to XXXX, XXXX insurances supplied to XXXX. XXXX doctors paid, yet XXXX Hospital did not file claims with either insurance. In XX/XX/XXXX received a letter from the Nationwide Recovery Service attempting to collect a debt. I informed them I was conscious and saw my spouse submit insurance cards to XXXX hospital officials. I subsequently over the phone gave Nationwide Recovery Service ( NRS ) my medical insurance information and they were to inform XXXX. I called both my insurance companies and found neither had a claim for my hospital to XXXX Hospital. And that I was not responsible for the bill because they had not filed in a timely manner only {$65.00}. But XXXX/NRS could send XXXX the bill ; however, the payment to them would be considerably less. They also indicated that because XXXX did not file and sent my name to a collection agency to pay, I could file a formal complaint with the Federal Trade Commission for Violation of the Fair Debt Collection Act because since XXXX doctors were paid, apparently they had my insurance info. I called NRS and passed on the info. XXXX XXXX asked if I was an attorney and if not, I could not say that. I said no I am not an attorney, but I do not have to be an attorney to exercise my rights. She then indicated she would contact XXXX and get back to me. I called on XXXX XXXX and XXXX XXXX and they gave me the same story, that I owed the bill. When I did not receive another bill from either XXXX or NRS, I assumed the problem had been rectified. When the XXXX hacked government retirees social security numbers a few weeks ago, I checked XXXX and found my credit score had dropped considerably and could not figure out why, until I came to the collection section. My credit reports reflects we have not been late on any payment since XX/XX/XXXX ( and that was because one of my credit company changed names and unbeknownst to us, we send payment to the old creditor mailing address ). I attempted to call XXXX for XXXX weeks ; however, the call would drop after holding for too long. As a XXXX, I did not want to go downtown XXXX. Finally I visited XXXX on Thursday XX/XX/XXXX. Upon speaking with XXXX at hospital, they indicated that accident bills were normally sent to their attorneys, and they had not filed the claim in a timely manner, therefore, the charge will be removed. I specifically asked about the collection company and my credit report. She indicated NRS would delete the charges and contact both credit bureaus to remove the debt. Spoke with NRS, they have deleted the debt but indicated they were not told to contact the credit bureaus. How can I get this rectified? Firstly, this should be completely expunged from my credit report. It should not say paid or whatever and stay on there for XXXX years because my FICO score will remain

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: OK
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 was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed 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 2016-04-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a mobile deposit through Wells Fargo XXXX/XXXX/16 for {$1000.00}. On XXXX/XXXX/16 there was an hold placed on it stating they are getting a refer to maker error when attempting to pull the funds. I contacted XXXX XXXX retirement who issued the check and after looking into it they stated they see nothing wrong with the check and that my bank should have been able to pull the funds. After contacting Wells Fargo and informing them of this they are still stating that they are unable to access the funds. I requested that they release the check so it can be returned to XXXX XXXX so they can issue me a new check but Wells Fargo is stating that it was put into on a 5 day hold and nothing else can be done until XXXX/XXXX/16. My problem is that if the issuing party claims there is nothing with the check something must have went wrong when my bank processed it but they are refusing to do anything about it and no one can tell me what is going on which is very concerning to 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 monetary relief
Consumer complaint received 2017-01-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
NAVY FEDERAL CREDIT UNION CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION AFTER HAVING BEEN DISPUTED MULTIPLE TIMES. COMPANIES FAILURE TO PROVIDE ADEQUATE PROOF OF DEBT WHEN REQUESTED WHEN REQUESTED MULTIPLE TIMES SINCE XX/XX/2015. CONTINUES TO TARNISH CREDIT WORTHINESS AS A RESULT. AS A RESULT OF TARNISHED CREDIT WORTHINESS I HAVE BEEN DAMAGED FINANCIALLY AND MY CREDIT REPUTATION AN EMBARRASSMENT BECAUSE OF NAVY FEDERAL CREDIT UNION CONTINUING TO HARRASS ME BY MEANS OF DAMAGING MY CREDIT AND PROVIDING FALSE INFORMATION TO ALL XXXX CREDIT BUREAUS, EVEN WHEN DISPUTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Started getting phone calls and fake XXXX bills in 2017. Called XXXX immediately and they said I do not have an account with them under this particular account number they are providing nor under my personal information for XXXX $ I got calls from XXXX NY and Florida. Now I am getting calls from what appears to be in my state but when I research number its not an active number. 
I now have a collection under my credit report from this agency : Convergent Outsourcing in Washington state for this amount but have yet to get any information because they ask for my personal information like my SS number which I Am not giving them. There is already a class action lawsuit against them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In 1998, opened a Citibank credit card in college. Ever since, they 've charged me a " Credit Shield '' on purchases, which did nothing to my knowledge. When I could n't pay, I was not made aware of any services this " Credit Shield '' provided. Tried multiple times to have service removed. Open several, other Citi cards, never a problem. But in the XXXX decades, it 's cost me thousands of dollars and I want it all back. What a ripoff!

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 2015-08-12
Company: ALLY FINANCIAL INC.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? 
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief