BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: CCS Financial Services, Inc.
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX, XXXX, and Experian, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.

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 2022-06-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 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 XXXXXXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX of this year I originally reached out to XXXX XXXX, certified housing counselor at the XXXX XXXX XXXX   XXXX XXXX in XXXX, NJ. XXXX helped me file the necessary paperwork with Wells Fargo to modify by home equity line loan. Due to financial hardship I had fallen behind on my payments and wanted to see if I could receive a loan modification and interest rate reduction and get back on track making my monthly payments. While XXXX was sending in my papaerwork to Wells Fargo I received a loan modification package from Wells Fargo with a contact person named XXXX XXXX XXXX. They were asking me for information that I had already provided to XXXX and was confused on who I should work with? XXXX advised be that it was ok to work directly with the lender and he would step back and let them complete the process. I then received an email from a XXXX XXXX XXXX ( Wells Fargo rep ) asking me for more information beyond what I had already send to XXXX. I provided the information via email to Ms. XXXX and asked her if she was the same person as XXXX XXXX XXXX. I got no response. I followed up with email to Ms. XXXX asking her to confirm that she received my information and was processing my modification request. I received an auto response email from Ms. XXXX that she was out of the office and would be back in a few days. I send a second email asking her if she was the same person as XXXX XXXX. No response. I then sent another email asking Ms XXXX to give me an update on the status of my application. Again not response. On XX/XX/XXXX, I reached our to XXXX XXXX and asked him to help me with this situation as I was getting extremely frustrated. I had provided Wells with all of the information that they has requested, hundreds of pages of documents, with no follow up. XXXX XXXX advised me that my case with Wells Fargo was closed have me the name of your agency and advised me to file a complaint. In the meantime I now am dealing with XXXX again to help me reopen my case with Wells . I have printed documentation of my email communication with XXXX XXXX and Wells Fargo representative XXXX XXXX. I would like to send this email history to your department. I am extremely frustrated with this process and feel that I did everything I was asked and provided the necessary information to Wells Fargo. My time is valuable and I dont have time to waste.

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 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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:
My capital one Mastercard was closed without my permission. I paid on time and in full 100 % of the time. I called their customer service and was told my account was closed without explanation. The agent told me to apply for a new card. My application was rejected and the reason was that I had issues with my previous card. Please help fix this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OR
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:
Equifax, XXXX, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im in the middle of a major purchase and bam a XXXX debt shows that I never purchased with no letters or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have made payments through my bank, and Comenity Capital Bank does not process my payments upon receipt resulting in daily interest charges and late fees. 
My most recent example is a payment from my bank to be received by Comenity Capital Bank on XX/XX/XXXX. Today is XX/XX/XXXX, and Comenity Capital Bank has not processed my payment. 
This has happened twice before with a payment to be received by XX/XX/XXXX. Comenity Capital Bank charged me a late fee on XX/XX/XXXX and processed my check on XX/XX/XXXX. I was charged a late fee once before in XXXX of XXXX with a similar delay in processing. 
I do not have this issue with any other companies or credit card companies. For example, I sent a payment to another XXXX XXXX XXXX XXXX through my bank to be received on XX/XX/XXXX, and the payment was processed the same day. 
Comenity Capital Bank is fraudulently holding my payments and possibly others to increase interest charges and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer in the mail from Citizen 's Bank to get {$600.00} if you open a checking and savings account and met their terms. I opened my account XXXX XXXX via their website and met the terms. The offer says once you've met the terms you will get the money in 3 months. On XXXX XXXX I called Citizen 's because my money was still not in my account and XXXX told me my original bank put a hold on the transfer. I called my XXXXXXXX XXXX that day and they said Citizen 's has the money and took it out of my XXXX account. I called Citizens on that day and after being bounced around I eventually spoke to the fraud department who said that Citizen 's blocked my transfer and I have to tell my XXXXXXXX XXXX to reverse the transfer because it was flagged as fraud. Reassured me I would still get the bonus and gave me the fulfillment phone number in case I didn't get the bonus. I called Citizen 's Bank on XX/XX/XXXX because it's been over 3 months and I have received anything and I spoke with XXXX the manager and he said I would receive my money on XX/XX/XXXX. It's now XX/XX/XXXX and I haven't received it yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account XXXX XXXX XXXX has appeared on my Transunion account without my knowledge or consent and it needs to be removed. I have contacted transunion in regards to this and no action has been taken. I do not know who this account is or why it has appeared nor did I give consent for it to be displayed on my Transunion Consumer Report.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-06-12
Company: American First Finance, Inc.
State: NY
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 have notify XXXX and the company responsible for reporting these account that they are Fraudulent and they need to delete these account from my credit report : XXXX XXXX XXXX XXXX XXXX and American First Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I took a loan of {$2500.00} back in XXXX. The installment were every other Friday since that is my day I get paid from my employer. 
Ive made more than {$2500.00} in payments but since they are a very expensive loans, APR is about 700 %, I couldn't continue to make payments due Covid situation. 
I work in the retail world and basically my income is based on commision plus salary. 

However, I have been trying for months not to contact them via phone and also email to come up with a payment plan and solve the issue. 
They have accumulated more than {$10000.00} in monthly fees that has gotten out of control. they are reporting INCORRECT amounts to my credit that is fully damaging my credit. The account is now delinquent and sure will escalate to worse. 

I haven't heard anything from them this whole year and I see the fees have gone up each month and it look likes with will get worse. 
Id like to dispute this account from my credit, incorrect amount reported. 

Email were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also several phone calls made. 
Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
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. 

Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I contacted American Express for a travel credit that I had not received for my Platinum Credit Card. American Express would not honor the credit until I finally called them on the phone. 

While I was dealing with them, they offered me a retention bonus offer of XXXX rewards points If I spent XXXX dollars within 3 months of accepting the offer. I advised the representative that the offer was fine, but I still wanted my travel credit. This was before they had credited me for the XXXX dollars. I met the spending requirement, and reached out to American Express on XX/XX/2021 to confirm when I would receive the bonus points. The rep advised me that " I did not accept the offer ''. I advised him that that was untrue. I filed a dispute which was XXXX. On XX/XX/2021, I reached out to check on the offer, I was told that it would take 7-10 business days for a resolution. Today, XX/XX/2021, the tenth business day, I once again reached out to AMEX. After being transferred several times, I was told " The Dispute was automatically closed, due to the customer declining the offers '' I was never notified, and was never offered an explanation. 

This entire transaction is on my chat, and is saved on the Amex APP. Amex uses bait and switch tactics to lure customers into thinking they are being taken care of for poor service. I met the spending requirement, and continue to be led on. I would like to receive the XXXX rewards points that I deserve. I asked American Express to provide a pdf of the conversation, they were unable to due to " Privacy Reasons ''. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to XXXX, XXXX and Equifax credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it may represent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. 

XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted proof of flood insurance and they continue to add forced placed flood insurance. I need it removed.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
MyhusbandandIwereintheprocessofmovingtoanotherstateduetoacareerchange.IntheprocessofmovingIopenedacreditcardaccountwithCapitalOne.Thecardcameinthemailbutwasnotabletobeactivated.IcalledCapitalOneinXXXXof2018andwasadvisedthatafraudflagwasraisedontheirendduetomismatchingdataconcerningaddresses.Ithankedthemfortheirdiligenceinwatchingoutforfraudstersandletthemknowmyaddressisunique(Iamlivinginahotelwhere2ofthefloorswereconvertedintoapartments),soperhapsthiswasaddingtotheconfusion.Ialsochangedrooms/apartmentsinsidethehotelwithinthepastfewmonths.

Iwentaheadandexplainedmysituationtotheservicerepandwasaskedtosendinacopyofmysocialsecuritycard,stateIDandproofofresidencysotheycouldgettheflagremoved.Isenttheseinandwaitedforthemtocontactme.Iwaitedandwaited...andwaitedsomemore.Iwasnevercontactedbythem.Iactuallyforgotaboutituntilmyhusbandeventuallyfinishedmovingandjoinedme,approximately6monthsaftertheinitialactivationconversationhadbeenhadwithCapitalOne.

MyhusbandaskedmeaboutthecardandsoIcalledCapitalOneback.Iwasadvisedtheyhadneverreceivedmydataandremindedmeagainthatthecardwasflaggedforsuspectedfraud.IexplainedIhadfollowedthestepstheyhadlaidoutformethelasttimewespokeandexpressedmyconcernthattheyhadnotonlylostmypersonalinformation,buttheyhadnotfollowedupwithmeregardingmycard.Theydidnotapologize.

AtthispointIdecidedIwasnothappywithCapitalOne'slackofcustomerserviceandfollowthrough.Iaskedthereptoclosemyaccount.Hedeclinedandactuallystartedtogetanastyattitude.Ifeltalmostlikehedidn'tbelievemethatIwastellingthetruth.Thiswasveryunprofessional.Hetoldmehecouldn'tclosemyaccountbecauseIcouldn'tprovethatIwaswhoIsaidIwas.IremindedhimagainthatIhadsentmyproofdocumentsastheyhadrequested.BythispointIwasquitefrustratedandoptedtoendthecall.

Icalledbackafewweekslaterwithmyhusbandtotryandclosetheaccountagain.IspokewithadifferentrepwhoaskedthatIresendmydocuments.Iwentaheadandresentthem.Theyranabackgroundcheckandcontactedmymomwithoutmypermission.MymomcalledmeandtoldmethatCapitalOnecalledandassertedtheywerecallingbecausethereisfraudonmycard.

AtthispointIfeelthatCapitalOneisnotlisteningtomeandareprejudicedintheirbeliefthatIamsomehowcommittingfraud(orattemptingtocommitfraud).Mycardhasazerobalanceandisnegativelyaffectingmycredit.AtthispointIjustwanttheaccountclosed.Anyassistancewouldbeappreciated.

Company response to consumer: Closed with explanation