BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TILL NOW XX/XX/23 WELLS FARGO IS STILL IGNORING MTY ACCOUNT MAILING ADDRESS PREFERENCE AND WELLS FARGO NOT ACCEPTING TO MAIL TO MY po box ADDRESS.

I ALREADY FILED MORE THAN 50 COMPLAINTS ABOUT THIS SAME ISSUE, WELLS FARGO IS STILL DENYING ME MY PRIVACY RIGHTS TO HAVE WELLS FARGO MAIL DIRECTED TO MY po box ADDRESS AS INDICATED ON MY ACCOUNT INSTEAD OF MY STREET RESIDENT ADDRESS. 
As I promised, I will file a new complaint every where at every time I receive a letter from Wells Fargo to my resident address, And now I will file a new complaint at the CUSTOMER FINANCIL PROTECTION XXXX AND THE OFFICE OF THE COMPTROLLER OF CURRENCY AND THE XXXX XXXX XXXX AND MANY MORE SITES UNTILL WELLS FARGO STOP THIS ELLIGAL PERFORMANCE AND RESPECT MY PRIVACY RIGHTS AND AN INVESTIGATION IS CONDUCTED IN THIS ISSUE THAT HAS BEEN GOING ON FOR MORE THAN 2 YEARS NOW. the wells fargo management does not exist and the employees are not working just setting home and only collecting the checks and using copy and paste standard answer to all complaint. 
NO PHONE CALLS ARE ACCEPTED BECAUSE I BELIEVE FROM MY EXPERIENCE THAT WELLS FARGO EMPLOYEES ARE LIARS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I received a Chase Fraud Alert about a suspicious transaction that was denied on my account. I responded to that email by clicking the " No, something's wrong '' button and that opened a webpage telling me that they were cancelling my card and would be issuing a replacement card. I then received no confirmation email, alert in the Chase mobile app, or any other sort of banner or alert in the Chase app regarding the card cancellation/replacement, of the new card shipping, or of the new card being delivered. Eventually the card did arrive on XX/XX/XXXX and I was able to activate it at that time, but it is absurd that I can order a {$5.00} pair of socks online from a random retailer and will get an immediate 1 ) order confirmation email, 2 ) link to track the order status, 3 ) order shipment email, and 4 ) order delivery confirmation email but I get none of those four basic updates when the largest bank in the country cancels my credit card with tens of thousands of dollars in available credit because of a fraud attempt and issues a new one. I was in such disbelief over this state of affairs that I contacted Chase support to see if I had accidentally disabled those notifications, but their agent said that none of those types of notifications exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed errors on my credit report with the company after submitting proof that the error should be deleted. After an initial notification, I received correspondence that was not truthful with the companies reply. It seemed as if this was a stall tactic to not thoroughly investigate my disputes. I sent correspondences every XXXX XXXX XXXX days from XX/XX/XXXX to XX/XX/XXXX and have yet to receive any deletion of the disputed accounts. I have provided proof as well that the disputed account was deleted from one credit bureau, but the additional bureaus aren't cooperating despite this proof of deletion.

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 2018-05-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom mortgage is reflecting late payments XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Our payments are automatic from the bank and are not late. In fact we found they had our full payment and didn't apply it to the mortgage. they even waived any late fee when they found the error. They should NOT reflect a late payment history on the mortgage. Unacceptable. # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Ive been trying to resolve an error on one of the credit account on my credit report for over a year now. my XXXX account has been falsely showing that it was charged off. This account was never charged off and I actually paid this account in full on time. Ive disputes with XXXX and they responded to me by saying they are not reporting my account as charge off and that this is an error made by the credit bureaus. Ive disputed with XXXX, XXXX, and Transunion and they all refuse to update the account to the correct status. This account is still to this present day causing my score to drop and I need this fixed asap. Its incorrect and has contributed to the difficulties of getting approved by any lenders for any type of financial loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During week of XX/XX/XXXX I contacted my bank, Synchrony, about the process to do a wire transfer. They said my account was " diamond '' level and I get 3 free wire transfers a month. They also said i needed to get specific wire instructions from the receiving bank, address and phone number, etc. I contacted the individual I was going to be wiring funds for a truck I wanted to purchase. He gave me the info. I called the bank, they then told me i needed entirely different info. I got that info then on XX/XX/XXXX I contacted my bank that has my savings account to do a wire transfer for a truck i want to buy and they told me i didnt need any of the info the previous two people told me i did and that I just needed the name and address of the individual I was wiring funds. I gave them the info and had them wire XXXX to their account for the truck. 
I don't hear anything from the bank and followed up with the individual to see if the wire went through, he said it didn't. I logged into my account to see if it had any info there and I was greeted with the message that ALL my accounts were restricted. I call the bank to find out XXXX is going on. They say my accounts are " in review '' then try to say they think its fraud but there have been no attempts to access my account from outside the country or anything that can be misconstrued as fraud other than apparently me wanting to use my money. They say it could take up to 60 days!!!!! to review my account. I am beyond livid at this point. I tell them to cancel the wire and that I'm going to close ALL my accounts. They say i can't do XXXX and have to wait for their " review '' to complete. I have them escalate. I call back the next week. They give me the same XXXX excuse they are investigating, i have them " escalate '' again which is clearly a XXXX process that doesn't exist, they say it should be a few more days, called again Wed XXXX and Friday XXXX, same XXXX. They have totally XXXX me. I had autopayments setup that are now failing, I have a bunch of late fees due to this and I can't even use my credit card now as they have locked it because the payment didn't go through. They have basically stolen ~ {$80000.00} from me with no explanation and apparently no accountability. I don't know if they are about to go XXXX up like that bank in california but it looks like im going to have to find an over seas bank to work with as US banks are so poorly regulated with XXXX regard for consumers.

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 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
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 have a negative account showing up as a closed account on my XXXX credit report. 

the account isn't mine it has been removed from the other two credit agencies. Credit card for Navy Federal amount {$500.00}. That account belongs to someone else. I have no responsibility for the account at all. I have disputed this 6 times and it keeps coming back as verified. The account holder has a different and XXXX needs to do a legit investigation and remove this from my file. I know for a fact this is not my account as I have already spoken to the original company and they told me to file a dispute and it would be corrected. That's why it was removed from XXXX and XXXX. 

It clearly says this was not my account It says Authorized user Authorized users aren't legally responsible for making payments. I was not the primary account holder on this account

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 2018-08-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
all three credit company refused to put the right credit score on my paperwork i think i am a victim of my information being used in the wrong way i have no funds save up yet but i feel that i still need to know my real credit score my rights as a cardholder is not being handle right by all three credit company i think they should look at a little closer thank you XXXX XXXX XXXX XXXX XX/XX/2018

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 2021-07-08
Company: Bread Financial Holdings, Inc.
State: UT
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:
XXXX is reporting a late for XX/XX/19 and I ask that they please remove this. I have had an account with you guys for a very long time and I have never been late before and have not been late since. During this time, I did have a family emergency and unfortunately failed to make my payment on time but did pay as soon as I could. I ask that they please remove the late as a one time goodwill adjustment as I have been a very loyal customer. I am in the process of wanting to buy a home and getting this removed would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello. 

my problem is since XX/XX/2020 with this company. 

Me account is ( block, rectricted ) Me account is under review. 

I use this website 1 year or more and i have level 2 verify identity, but now i can use me account. 

Company is Coisnbase.com for trade, sell and buy criptomonedas. 

I send them a lot of tickets without reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof.

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Much Obliged, 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 non-monetary relief
Consumer complaint received 2018-11-27
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX requesting validation of an account in the amount of {$1900.00}. 

On XX/XX/XXXX I opened a dispute with each of the credit bureaus ( XXXX, XXXX, and XXXX ) to verify the accuracy of each account. All were verified with exception of XXXX, which deleted the account. However, the date open is inaccurate since the accounts date of first delinquency is XX/XX/XXXX ( confirmed by the original creditor during call on XX/XX/XXXX ) and XXXX XXXX XXXX is reporting the open date as XX/XX/XXXX. From my understanding the Open date must match the date of first delinquency. 

On XX/XX/XXXX, XXXX XXXX XXXX responded with a copy of the statement, private medical information ( which is hippa violation ), hippa agreement. XXXX XXXX XXXX is not listed on any hippa disclosure agreement they sent to me.They did not provide all of the requested validation items which included a request for an agreement with the original creditor stating their authority to collect on the alleged debt. Additionally, how are the credit bureaus able to very an account that not been validated with the consumer. 

On XX/XX/XXXX, I contacted the original creditor to get all previous statements that would have been mailed to me prior to the account being turned over to XXXX XXXX XXXX. The hospital billing department could not provide me with the statements and told me that I needed to contact XXXX XXXX XXXX to obtain those items since the account is now with them. However, the hospital did inform me that the date of first delinquency was XX/XX/XXXX. I called medical revenue services to obtain a copy of all statement and was told the only I will get is what they have already sent. During this call the associate and supervisor were rude, condescending, and made a few accusations in regards to my character stating that I lied in a dispute to the credit bureaus stating I was never at the hospital which is entirely false based on the letters I have to this complaint which I have attached. She also made comments about my mode of living and stability, which can be proven to be inaccurate.I have attached a recording of the call from today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access

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 2022-05-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bought a promotional item from XXXX XXXX XXXX store. The item came with 12 months interest free payments. At the end of 12 months the full interest would be applied to the balance on the card. There was never an option online to make a payment directly towards promotional item. I just got off the phone with the representative and she stated that if I called in I had to tell the representative that I wanted the payments to go to the promotional item. This is very misleading especially if I make all of my payments online to a 3rd party ( Synchrony Bank ) and there is no option to pay directly towards the promotional item. I never received any reminders, emails, calls letting me know that the payments I was making were not going toward my promotional item. I never received updates or reminders that my promotional time was ending.

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 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I ordered merchandise on my XXXX XXXX   credit card for {$240.00}. I have recently moved and changed my address on this account, but my old address came up as the default address and the merchandise was sent to my old address. 
Once I realized ( within 2 days ) that the package had been delivered to the wrong address, I notified XXXX, but they claim that I am still responsible for the full amount of the purchase even though I did not receive it. 
As soon as I discovered the mistake, I went to my old address to check on the package. It was not there, the apartment is vacant and my old neighbors did not see a package. 
I have been corresponding with XXXX since then, only to have them consistantly tell me that they will not refund my money and expect me to pay the full amount. 
I did make a payment today of {$60.00}, which now includes a late payment, but do not believe that I should be responsible for merchandise I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried to tell Discover several times that I have paid consistently {$230.00} for months as the balance goes down. The APR continues being the same but the person in charge will not get back to me. The payments continue and the card continues being open but not available for use. 

How can the payment not be lower when I am not on a payment plan, the card is open and the balance has been lowered. 

I hope this gets rectified. In addition they have also not rectified previous problems with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: LA
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 XXXXXXXX XXXX XXXX XXXX acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXXXXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXX XXXX XXXX XXXX  Act # XXXX XXXX XXXX XXXX # XXXX XXXX  act # XXXX XXXX XXXX ACT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation