BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a RV loan with my bank ; which is USBANK, in the month of XX/XX/2018. I applied for the loan and was told that my credit score was too low based on an error reported to the credit bureau from my USBANK visa. I have had this card for several years. I disagreed with this and made a formal complaint. The problem with my credit was that my VISA from USBANK sent to the credit bureau, that I had missed several payments and that I has several late payments. This information is incorrect. I located all of the information needed to prove my case. I brought the information to the bank as well as made a formal complaint with the credit bureau. I followed up with the bank and was then sent to the branch manager, with in a few days of the original loan application. Who stated he can clearly see there is some sort of issue. He then told me that he would handle this problem for me by going through the under writers and trying to get the credit card, again this credit card was issued from USBANK. To verify that there was a mistake. That I should get the loan as I am only asking for {$50000.00}. My debt to income ratio is under 40 % and I was asking for a 15 year fixed mortgage. We ( the first banker and I ) calculated the payments which would be less than $ XXXXfornd that my APR was roughly 6.5 % a month. Everything seemed to be working out until they realized that my income comes from my being XXXX XXXX. I was then informed that I could not get a co-signer as my credit was below XXXX and that both customers on the loan would have to have a credit score of XXXX. My credit score is 6?? at this point even with the error on my credit report. I am in limbo still the bank has not formally told me no nor have the said yes.

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 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased XXXX flight tickets on American Express Travel on XXXX. 2 months later my plans changed, I went on the website and it said the tickets are returnable for a full credit with XXXX XXXX. I returned the ticket but then couldn't buy a new ones unless I called American Express customer service. Upon speaking with them, they kept referencing my ticket policy which I was not aware of nor was I provided with at any time. I couldn't use my credit to buy tickets from XXXX as they insisted it's American Express who holds my credit. American Express Travel wouldn't let me buy tickets from XXXX because the flights I chose were operated by other carriers yet they were listed on XXXX as flights with the company by XXXX After XXXX hours on the phone I was informed that if I don't redeem my credit by midnight I would lose it!!! That was also told to me by " coincidence '' as the customer service agent was referencing the policies which I was not provided at any time when I purchased the tickets nor when I returned them through the website nor ever. Also the alternative tickets showed online for a price but I had to buy them through Amex at an even higher rate because they'd do a buy up. When I asked what that meant I wasn't given information. I was forced to pay an excessive amount so as to not lose my credit and they ruined my travel plans with their opaque malicious undisclosed policies! nowhere on my itinerary nor when I cancelled did it say I have to pay a buy up fee, or that the refund credit would only be available on select flights. it simply said this ticket is returnable for a FULL CREDIT WITH XXXX! This was not the case. I demand a refund of my points stolen from me by American Express through a malicious treatment consisting of lack of disclosure of policies. Even when I requested to be provided with the policies referenced, it was denied. 
SHAME on XXXX with their intentional predatory practices of withholding information and stealing over XXXX points in this transaction! Also for eating up XXXX hours of my Saturday!!!!!!!!!! XXXX hours on the phone! Despicable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after XXXX account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So I filed disputes on my account XX/XX/2023 and I didnt make those charges from XXXX XXXX stores that were from 4 different states and today they replied with a email that I wont be credited for the disputes when it makes no sense when I live in XXXX XXXX and my card was used in other states. And I asked them why wasnt I credited when I dont live any where near the stores and how I was able to make those purchases when I dont even live near those states. If you look at the attachments the store numbers of the XXXX XXXX  are all out of state

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after XXXX account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus 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 2018-05-01
Company: TD BANK US HOLDING COMPANY
State: FL
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:
TD Bank refuses to give money back that was taken from my account fraudulently. 
On XX/XX/XXXX, my wallet was stolen after shopping for groceries at the XXXX near my home on XXXX and XXXX, XXXX XXXX. Several of my credit and debit cards were compromised. While one financial institution notified me by text within minutes of someone using my card, I was unable to contact TD bank for over an hour. I filed a police report immediately. 
I ultimately had my drivers license replaced and had a Fraud Notification placed through the three credit agencies. All of my banks refunded the monies except TD Bank. 
I have been a customer of TD Bank since I moved from XXXX in XX/XX/XXXX. 
All of my payroll checks have been direct deposited into my account, totaling over $ 200K.  There is no emergency number to contact if a card is lost or stolen and I have given no reason to suspect that I committed a fraud. I have never even bounced a check. I am a XXXX   XXXX XXXX! .I would appreciate any help in having my money returned. I am a single working Grandmother of XXXX and can not afford a {$610.00} loss. 
I have provided a copy of the police report, copies of letters indicating fraud from my other financial institutions and my wallet was found by the side of the road by police, several weeks later, and given to a TD bank teller at a different location. ( See attachments ) Still TD bank refuses to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received call from Wells Fargo informing me of a credit to my account made arm withdrawal and was contacted by wells fargo representative saying my account was overdrawn my account showed money was available for withdrawal miraculously the money that was refunded disappeared now my account is overdrawn by said amount also my ATM card was locked was told I would receive new card in mail never received new card and account is still overdrawn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on XXXX & nothing reported at all on Transunion at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX TRANSUNION XX/XX/XXXX XXXX. PAYMENT STATUS How can I be late 120 days on Transunion and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF EDXXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX XXXX  SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Rocket Mortgage, LLC
State: FL
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:
I am a XXXX years old XXXX, XXXX, having as only income SS XXXX. 
Last year, XXXX  sent me a letter warning me that their consumer 's files have been hacked and my was one of them. 
As a result I was monitoring my credit report profile. 
On XX/XX/XXXX a inquire from Quicken Loans was showing in my file. 
I complained to them that it was not mine. 
As a clear prove, I am a XXXX years old XXXX person living on social security only. 
My house is fully paid and for my age and health conditions it is not my intention in to have a mortgage. No now, No never! again : my house is fully paid. 
I complained to both, credit report bureau and Quicken loans. 
After one year of complaining I finally got a phone call today XX/XX/XXXX from Quicken Loans. 
They don't want to accept only my clear reasons why I was not the person who request a mortgage ... the reason that my credit profile was hacked is not enough ... the reason of my health condition is not enough, the reason of my age either ... 
Maliciously, the want from me to have a police report ( police doesn't want to make a report about this civil issue ) I do not have other choice than complaint to you and ask you for your help. 
I began to believe that it has been Quicken loan who has pulled out my credit report without my authorization! 
They do not care if I am a handicapped old person. It seems like they want to punish me by asking me to go to the police to fill a report??? 
See attached email. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 


7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Delete this account. 


8. The inquiry was not authorized XXXX  XXXX A Date of inquiry : XX/XX/2023 Delete this account. 


9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 


10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL 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 2023-04-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo consistently charged me outrageous sums in overdraft fees, often times when amounts were pending and I had put the money in to cover, etc. Been a customer since 2014.

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 2023-11-08
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I never finish pay the loan because the interest, I pay XXXX a month, buet is just the interest. I do not want to lose my car because of this, I think I pay the loan XXXX times. 
I need help please with this issue. I have health problems and I can not make payments. 
I borrowed XXXX but the interest is a lot. Loan Star Title Loans on XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Please I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: EQUIFAX, 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:
I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 constantly check my credit report and noticed that the errors and false misleading information fro individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items

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 2020-04-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A series of unauthorized charges were made using my PayPal account. The charges are as followings : {$410.00} to XXXX on XXXX XXXX, 2020 {$350.00} to XXXX on XXXX XXXX, 2020 {$370.00} to XXXX on XXXX XXXX, 2020 I contacted XXXX on XX/XX/2020 to dispute these charges and file a complaint about unauthorized purchases. These complaints were denied and I appealed. During these conversations I learned that there was suspicious login activity on my PayPal account on XXXX XXXX and/or XXXX XXXX, 2020 and this was likely the cause for these unauthorized purchases. 

I also contacted by bank ( XXXX XXXX XXXX ) and credit card company ( XXXX ) as both of these accounts were connected to my PayPal account to notify them about the fraud. I was able to close the account with XXXX that was connected to PayPal so these fraudulent purchases would not go through. 

I was told by PayPal representatives that some of the appeals were granted and some were denied. I was given no explanation why some were denied. Instead I was told they would need to work with supervisors to get these denied appeals corrected. Instead, some of these fraudulent purchases are still being denied as fraud by PayPal and the are now trying to collect these as debt. 

Last week I was contacted by XXXX XXXX XXXX XXXX trying to collect {$760.00} from PayPal. This amount is related to the fraudulent and unauthorized purchases described above. I plan on notifying the debt collection agency via writing that this debt is based on fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
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:
Made a call to Heartland ECSI approx XX/XX/2020 regarding XXXX payment. Customer service Representative stated " contact must be made to the school attended. Made contact to XXXX main campus, voice message left student financial services on/around XX/XX/XXXX. 
XX/XX/2020 around XXXX XXXX. 
A returned call from XXXX XXXX Student financial Services ( The Bursars office ) Apologized for someone not returning the call sooner, stated ( left message on another department Voice-mail ). Made Mrs. XXXX I'm unable to comply with payment due to the current situation ( not -working ). Documents received to complete for processing for deferment. XX/XX/2020 Credit score dropped 38 points due to not responding in a timely manner. This  decreases my credit and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are two accounts showing for XXXX XXXX  XXXX XXXX both for the same place. Also the amounts are not correct! There is one showing in the amount of {$3500.00} and one for {$3500.00} When I first started to dispute this Equifax was just reporting one not two and then they added another one after I started questioning the amount.

Company response to consumer: Closed with explanation