BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Back in XXXX we purchased a used XXXX XXXX XXXX after our car was totaled in an accident. Wells Fargo financed that loan. The interest rate was through the roof! When the government shut down my family was affected due to my husband working for the governments I went into the local Wells Fargo bank to let them know what was happening. They were nice in helping me but they had to call their corporate offices to see what could be done. We qualified for disaster relief due to all the wildfires in our area. However ; it impacted the loan terms because we were not able to make the payments. It ended up adding a ton at the end of our term and the original interest-rate that they gave us was already a ridiculous amount. Long story short we ended up refinancing with a different bank to get our from under their ridiculous rates/terms. Their helping us would have ended up in us pay an additional $ XXXX $ XXXX on our loan. Not only that but it was also right around the time they were busted for opening accounts in customers name without their knowledge. We didnt want that to happen to us. Even though we were only with them for a short time it still was such a hassle to work with them.

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 2021-12-01
Company: EQUIFAX, INC.
State: MI
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 contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Saturday, XX/XX/XXXX, I was on my Delta SkyMiles app looking for a last minute flight from XXXX to XXXX, roundtrip. I selected a departure flight from XXXX on Saturday, XX/XX/XXXX. I selected a return flight from XXXX on XX/XX/XXXX. When it was time to complete my purchase, there was an offer to apply for a Delta SkyMiles Gold from American Express card & upon approval, receive a {$250.00} statement credit when the purchase was complete. On top of that, you'd get XXXX bonus miles after making {$2000.00} in qualified purchases within the first 6 months of opening the account. To me, that seemed like a GREAT deal, because my flight would now only cost me {$350.00} after I would get that statement credit. So I applied, I was approved, and then was prompted to complete my transaction. That's when I received an error that the card I tried to use was not recognized, and that I should check my email to retrieve the temporary card number to complete my purchase. So I did that, and STILL could not complete my purchase. I tried several times and triple checked that I was entering the temporary card information correctly. After trying for about a half hour to make my purchase, I gave up and decided I would call in the morning. 

When I spoke to American Express customer service, I was told there was nothing they could for me except offer me a {$15.00} statement credit for the inconvenience. In addition, the last-minute flight that I wanted to book went from {$600.00} to {$730.00} overnight. So if they couldn't honor the price from the night before, I could at least try to book it at the higher price now because I would still get the statement credit, right? Wrong, I would now need to wait for the physical card to arrive in the mail before I could make any purchases. This is where I felt scammed. I had to wait until Monday, XX/XX/XXXX, before I could speak to anyone in " New Accounts '' at American Express. Once again, I was disappointed by their customer service as they could not even help me with completing the transaction with Delta over the phone. This made absolutely no sense to me seeing as it was a Delta SkyMiles Gold from American Express Card... how are the two not the same entity?

In summary, I feel like I got scammed into applying for a credit card that I now have NO USE for as it will not arrive in the mail until after my planned departure date. This is the worst experience I've ever had with both American Express and with Delta.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.

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 2021-06-18
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
the thing is my boyfriend died and he has no living relatives I am his girlfriend. I am not responsible for his credit cards. I try to tell the Harley-Davidson company for the XXXX XXXX  card that he is deceased and dead and they still keep calling me and sending me bills to pay up. I told them he died XX/XX/2020 they can look into the coroner 's office in Texas. My name is not on this credit card and I will not pay for it. 
Name of the company is XXXX XXXX  Harley-Davidson Visa. The account is under XXXX XXXX. He passed away XX/XX/2020. I have sent the company knows I'll talk to people on the phone telling him that he has deceased. I will not be harassed. The amount of the bill is {$540.00}

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

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 2022-11-24
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CURO Intermediate Holdings
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a loan taken out by someone else in my name and the company, speedy cash, has since sold my information to a 3rd party debt collector, AD ASTRA recovery. I did not authorize or consent to the selling of my information and now AD ASTRA prints the debt on my credit report every month when I didnt even give them consent to access my credit report in the first place, let alone furnish incorrect items on there every month. This not only violates my rights as a consumer under the FDCPA but also under the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 i had started a job working from home, i was sent the equiptment and asked to use the funds provided for specific reasons to the job duties that i was informed of via an employment contract, the funds cleared and posted, I was then a month later told the funds were counterfiet. After having already stopped the transactions because the amount of money made me feel uncomfortable, the following 2 fraud disputes were filed and denied leaving me responsible for the debt of {$14000.00}. I took internal care of noticing the money was becoming excessive and the money was no longer autorized by me, i quit the job. However a month later they charged it all back to me and denied me any claims assistance. Please tell me how I can proceed with a forced closed account with Bank of America owing {$14000.00} at this point. I was misled with false information several times during the claims and denied. I also believe the checks were not countefeit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX In XXXX I sent in XXXX partial payments totaling XXXX. Well Fargo Mortgage accepted these and applied them to the principal only and not to the XXXX Payment. Wells Fargo sent a notice they can not accept partial payments so I corrected this by sending in full payments in XXXX. Since Wells Fargo applied these to the principal and not to a monthly payment it caused a cascade of late fees from XXXX to XXXX. 

The total of late fees are {$2400.00}. Since that time I did not receive a call, email, or phone call about my persistent late payments as I assume I did not miss a payment. They continued to collect consistent late fees while I continue to damage my credit.

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 2018-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
JP morgan chase closed my account without telling me anything and i reported fruad on my card and i dont understand why i am being punished for somthing i reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Revolut Technologies Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/ I received an email alert on my XXXX to call toll free number XXXX ( XXXX ) XXXX. It said : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation ... '' I called the toll free number after reading and a XXXX XXXX XXXX answered and asked me for the case number on the letter : SSA-XXXX. He then placed me on hold and transferred me to a XXXX XXXX XXXX whose number is : ( XXXX ) XXXX. He had several questions. One being did I have a checking or savings account? Did I have a passport? Did I have a driver 's license? My mailing address. Then he wanted to know if I had XXXXXXXX XXXX desktop application on my device. I said no. He then walked me through adding the XXXX XXXX from the XXXX store and he ask me for the 9 digit pin to come online with me. He then said, " I can see your bank account. '' Then he moved {$5700.00} to a XXXX XXXXXXXX XXXX  routing number XXXX and account number XXXX that he said was a SXXXX XXXX account but it turns out to be Revolut Technologies Inc. address : XXXX XXXX XXXX ; XXXX XXXX XXXX, DE. XXXX and under New York State Law for any fraudulent claims. The New York Attorney General file number : FILE # XXXX - XXXX XXXX - XXXX : XXXX XXXX XXXX has been advised. Since the moneys was domestic wired from my XXXX account to Revolut Account with XXXX. Also XXXX XXXX transfered {$500.00} to a XXXX XXXX by way of XXXX. Total loss : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove or update the item " DEPT OF VETERANS AFFAI Account Number : XXXX ''. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws. They have sent me a letter stating that the account was paid in full and was not a collection account. If you were doing your proper investigation you have caught this error. This shows that you are lying about your investigation process.

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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Blessings, at this moment that I start to review my credit report I realized that there are certain reports that do not belong to me, I called the different companies, which they did not want to explain to me how this happened and why I am going through this, which I did not I see well what is in my report since I do not have a license or know how to drive.

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 2021-06-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Sometime between Monday XX/XX/21 and Wednesday XX/XX/21, I received a Chime Visa Debit Card that I did not request for an account that I did not open. I contacted Chime via email on Wednesday XX/XX/21 to let them know this and to request that they cancel the account. After a couple of automated responses and requests for more time, on XX/XX/21 Chime requested that I send them a copy of the debit card that I received. I complied with this request also on XX/XX/21. Later on XX/XX/21, Chime sent an additional email asking me to send them a copy of my " valid government-issued ID '' and the last 4 digits of my Social Security Number. I responded on XX/XX/21 that I am not comfortable providing them with this personal information over an unsecured email but they responded with another email on the same day insisting that I provide them with the additional personal information they requested. On XX/XX/21, I sent Chime another email declining to provide the personal information that they requested and told them that I would contact FTC/CFPB instead. Later on XX/XX/21, Chime responded that they would block the account to prevent unauthorized access and I responded on XX/XX/21 that I would like them to close the account and not re-open one in my name without first contacting me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: CA
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, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!

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