BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have filed 2 previous complaints, the last one was XXXX. The name of your agency is CONSUMER Financial Protection Bureau. I don't understand why you accept any answer from Wells Fargo, then close the case. They didn't answer my question last time, they simply resent a bunch of paperwork that they did the time before, so it looks like they are responding. My question is exactly the same as the last complaint. 

I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {XXXX} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court. 

I'm not sure what value this XXXXureau is if you aren't listening to the CONSUMER!

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 2022-12-31
Company: National Credit Systems,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:
Under law 15 usc 1666 & under FCRA they arent allowed to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chime is holding my tax refund without proper reason doing so. Ive sent everything they asked me and even when I did that they asked me to send them something only they could see after putting my account on hold. Its been way to long for them to try and do so and Ive been with them since the company opened. Chime is taking advantage of their customers and needs to be stopped. They asked me about a XXXX XXXX product and Ive gave them everything about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom may concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate. 
You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX XXXX : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 


XXXX XXXX XXXX : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is closed, but is reporting a XXXX  day Late payment. Update to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately! 



15 U.S.C 1681 section 602 A : Clearly states that 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. 

15 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other two accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened a savings account with Bank of America on XX/XX/XXXX. I placed {$390.00} in my savings account. Without my permission Bank of America reversed the entire {$390.00} to my checking, which I didn't realize until XX/XX/XXXX. I ended up spending it as I paid bills and other necessities. I contacted Bank of America due to the error in their system and they said " They are not sure why that happened, But they cant refund my money ''. I need my entire amount back or I will contact an attorney.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Its been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. BY LAW THEY HAVE 30 DAYS! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: NY
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 the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts 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  15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I need to give some personal financial / health background information previous to this auto loan with Capital One.
 XX/XX/XXXX  filed BK/discharged  XX/XX/XXXX  During process of BK I voluntarily surrendered my car I had at the time. Also during this time I was on CA SDI ( XX/XX/XXXX  ) - made the choice to surrender my car - I was out of work, could n't keep up with payments In  XX/XX/XXXX  I attempted to return to work. I then needed a car this is when I obtained the auto loan from Capital One  XX/XX/XXXX  I was I was placed on total and   XXXX   XXXX   (   XXXX   XXXX   ) through Social Security. Unfortunately this was one month after I received this auto financing through Capital One. I have been struggling since then with my payments.  XX/XX/XXXX  I placed my payments to Cap One on an automatic payment schedule.
<P/>
I am on reduced income causing me to have very little money after I have taken care of my basic necessities I have organized my finances in order to be able to continue with my payments to Cap One ( as stated above ) however the issue now is I am 4 months behind with additional late fees accruing, etc. as well as receiving collection letters informing me they might tack action to repossess. All of this causes additional mental and emotional stress to me which is not healthy for my condition.
<P/>
I will provide any documentation needed to the best of my ability.
<P/>
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Was not notified of investigation status or results

Complaint:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received 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
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 haven't had any success with updating/correcting my personal information with the three credit bureaus, XXXX, TransUnion, and, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Two years ago Navient placed me on a plan that Id have to renew every six months with step rate payments. I started off paying around {$180.00} a month and most recently my payments were up to {$240.00} per month. The program allows you to slowly work your way back to the full payment amount which is {$330.00} for my student loan. When I extended the lower payment program in XXXX they advised me to call back after my XX/XX/2021 payment if I still needed the assistance, which I do. I called them today XX/XX/2021 around XXXX and initially spoke to an employee named XXXX who asked me the number of people in my household and my salary, after providing it to her she advised there were no options for me. I asked to be transferred and instead I was hung up on. I called back, XXXX answered once again and this time she transferred me to XXXX employee ID XXXX. I went through my financials advised her my salary is {$3600.00} a month, my expenses are right around {$3600.00} a month, and I have a four person household of which two are my dependents. I only provided her my portion of the bills because my husband takes care of anything I can not afford. I advised her that I could still pay the {$240.00} or even a slight increase to {$260.00} but she stated there are no options available to me and its Lender discretion as to whether they provide you options or not, which to me sounds like they are ELECTING to not help me any further. For two years Ive made payments on time and Ive kept my promise. The lender clearly advised the lower payment options would be available until I made my way to the actual payment amount of {$330.00} and based on my calculations I should have at least 2 more years of lower payments available until I reach the full amount. I have ensured payments were made during covid even though all other student loan companies allowed for deferments Navient would not, and now theyre not even willing to assist a borrower who is trying to do the right thing and is asking for assistance. I would like my loan and case reviewed because Ive been faced with a lot of abusive practices from Navient over the years and I havent complained. Ive received threatening calls and emails, impacts to my credit report even when Ive tried to work with them and now Im facing another issue because I cant pay the full amount, my credit will be impacted again even if I remain paying the lower amount. At this juncture I have no options but to file a complaint with the CFPB. They have at minimum violated the following regulations UDAAP, Fair Lending, and FDCPA and I need someone to look further into my case. I thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Was denied retrieval of funds by bank rep/teller by   XXXX   XXXX    XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my money.

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: AVANTE
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX... AVANTE ( Original Creditor : XXXX  XXXX XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one  account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}

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 non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
SOmeone attempted to open a card in my name. Want to report 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 explanation
Consumer complaint received 2023-02-23
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 XXXX XXXX XXXX, I had purchased service w/ XXXX XXXX for {$170.00}. I was supposed to have received a tracking number and details from XXXX XXXX on when I would receive my SIM card, but I received neither nor my package containing said item. As the email I did receive from XXXX XXXX indicated, I should have received the package within 5-7 business days. I waited 10 days before attempting to unsuccessfully reach XXXX XXXX. I finally reached out to Barclays immediately afterwards. After several attempts from speaking with Barclays, they eventually closed the case after originally asserting that I agreed to the no return policy for an item I didn't receive, then in a later notice I received, stated that they could not get in contact with XXXX XXXX for retrieval of the money. I was even able in limited instances able to get in contact with XXXX XXXX after they committed to provide me a refund in 2 instances, then I provided that to Barclay, but that was not enough for the bank to retrieve it.

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 2022-03-11
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:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with 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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a postal money order for {$380.00} was deposited in person by my mother into my account. It was accepted at the desk and I checked my account and it was in there so I paid rent. The money order was then placed on a hold subsequently causing my rent payment to be returned, I accrued {$250.00} in late fees. The postal money order is set to clear XX/XX/XXXX. I called the branch location where it was deposited and they wouldn't even talk to me about it. I went to my local branch and the manager there said if it were his location he would have covered the costs but it was location specific as to giving credits out. The customer service line said there was nothing they could do for a hold. I was doing some research and found Regulation CC 229 and it says something to the effect that a postal money order must be deposited the next business day. The teller at the location stated that it would be in my account the next day. I want to know if this is a violation.

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 2021-08-06
Company: United Check Recovery, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate

Company response to consumer: Untimely response