BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: NV
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:
I contacted Wells Fargo on XX/XX/XXXX to notify them of many fraudulent charges that were on my credit card statement and to dispute these charges. I was never notified in any way by Wells Fargo about suspicious charges on this credit card and a representative from Wells Fargo confirmed this over the phone. All of the disputed charges were at XXXX and on my statement it shows it from an Arkansas based XXXX and the oldest charge was on XX/XX/XXXX and the most recent charge was on XX/XX/XXXX. There were a total of 101 charges that were fraudulent all from the same XXXX vendor . The fraudulent charges totaled {$8600.00} and the majority of the interest charged during that time is also attributable to these charges and it totals {$630.00}, and the single largest fraudulent charge was for {$260.00}. Wells Fargo responded by a letter in the mail and stated that all of these charges were determined by them to be legitimate and that none of them were fraud since they followed what they said is my normal spending patterns. I never shop at XXXX XXXX ever. Not a single charge at XXXX follows my spending patterns. I called them after this to dispute their conclusion and reviewed with them some of the odd spending patterns that were created. One oddity was nine transactions at XXXX in a single day and often times there would be 4 or more transactions in a single day. Another oddity is being charged exactly {$70.00} six different times in 2 days and also being charged exactly {$81.00} nine times over five days. I argued that this is not a normal spending pattern for any real person. They said they would investigate and send their response by mail which they did and determined again that none of these mentioned charges were fraud and that I am responsible to pay for all of them. {$3300.00} of these fraudulent charges happened within the last two statements when I notified them of the fraud and disputed the charges. And again, they never once contacted me by phone, text, email, mail, or internal message on their website about any suspicious activity related to a single one of these charges. Now they're sticking me with the bill for all of it and unfortunately I've already made cash payments for half of these charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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:
XXXX, TransUnion, and XXXX are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies. 

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.

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 2023-10-03
Company: Central Portfolio Control Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company advised me that they received a debt from another company XXXX XXXX XXXX for a hospital visit at XXXX XXXX  ( I have my medical records and see no record of this visit ). They also told me the bill is for {$500.00} ( conveniently so that they can report this to the credit reporting agencies anything above {$500.00} ). They do not have a valid address for me ( or NAME! ) and did not sent me any notification of a debt as required by law. They are also reporting this as though I was seen in XXXX when XXXX XXXX ( their rep ) advised the bill was from XXXX. I want this REMOVED! And I want the debt VERIFIED!!!! I have credit reports from the past 10 years and have not EVER seen this hospital bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a fraudulent ACH transfer out of my account for {$5000.00}. I was notified and immediately called the bank to stop the transaction and lock my account. The bank failed to stop the transaction and lock my account. 
They allowed the transaction to post the next morning even after calling the night prior within 15 minutes of the fraudulent transaction occurring.

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 2021-10-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have messaged and called Chase numerous times, filed formed FTC complaints. They lied to you. I have attached a copy of the XXXX report showing that in fact they did change my address with my credit bureaus. They are refusing to report back to the credit bureaus that my address was reported in correctly. The credit bureaus are refusing to change it. I have been dealing with this issue for 5 month. They have been denying they did this. 

I spoke with XXXX, XXXX, XXXX XXXX, XXXX ( manager and XXXX. All of whom told me they can do nothing to correct the issue. All of whom also denied that Chase changed my credit report. I have attached proof that the credit bureau was changed by Chase. 

I have also filed a XXXX discrimination complaint as they were not able to meet my needs of my XXXX when calling in for assistance with my Attorney General and my XXXX Representative. I am on XXXX and they were not accessible to my needs over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband left the apartment we were living in and sticking me with the only one paying the lease. We were 6 months into a 1 year lease. After he left i could no longer  afford to pay the lease so i worked out a deal with the rental company to get out of the lease. I left the apartment in great condition and had another person set to take over the lease after i moved out. However, I now have a collection company attempting to collect a XXXX dollars. There is no way that i owed that much even if i hadn't arranged everything. I've tried to call the company and also sent in things to the credit bureaus but nothing is working and they refuse to send me a breakdown of the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
After trying to talk to a person at the bank several times I got transferred from department to department for over an hour I was told to email them at XXXX which I did on XXXX XXXX XXXX  about getting help with reducing my credit card debt through the Hardship Program. I explained to them that my husband suffers from XXXX XXXX, had his XXXX removed and now has XXXX XXXX XXXX. He was hospitalized with XXXX XXXX XXXX and was on XXXX from work for eight months due to XXXX XXXX  treatments and XXXX XXXX. When my husband went back to work he could only work 20 hours per week due to health and mobility issues ( prior XXXX XXXX XXXX ). I did sent another email and asked them to please reply. To date I have received no reply from them. Due to a prior complaint through your agency about non-disclosure on a variable interest rate on our Heloc loan we are having trouble paying both the credit card and the Heloc loan. We have been a bank customer at Citizens for over 30 years so a solution to this problem would be appreciated. Thank you. 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: UMPQUA HOLDINGS CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is reporting a sum of {$74000.00} for my credit for a XXXX of a XXXX This XXXX was made in XX/XX/2019 by XXXX XXXX. To this date they had not taken action I believe that the time to make a report to the credit bureau has already expired. 
In Addition 18 months have passed since the repo of the Vehicle and I never sign any documents with this company.

Furthermore in all this time ( 18 months ), the Company had notsend any message or documents related to this matter. 
At this moment They not have contact me or send me any letter at respect, They report to Credit Bureau whit out contact me first. This is a consumer abuse. 
This action is affecting my credit at this moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: NJ
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:
A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, XXXX, and Equifax. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
I have been waiting for over a month for a credit to be returned to my card. I have called and spent hours on hold just to keep being transferred in circles when i clearly communicated what needed to be done. There were several times i was told i would receive a call back and did not get one as well as several times they told me they were putting a request in and the funds should be back on my account in a matter of days and as of today i have yet to be refunded. As a single individual with XXXX children STILL in the middle of a pandemic and taking care of inflating grocery, gas and rent prices this is very much unacceptable. This problem started XX/XX/2022 and as of XX/XX/2022 it has NOT been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
2 months ago Flagstar Bank sent me a letter letting me know that my mortgage payment will increase due to a change in the insurance I chose. They also let me know that I had been sending the payments to the wrong location ( XXXX, Michigan ). The location of where I'm to send the payment is now XXXX, Texas. I sent the payment on XX/XX/XXXX as the money order receipt shows. They payment is XXXX, though I always round it up to XXXX. 2 weeks ago I got a message from Flagstar that they never received the payment, this has happened several times when they change the payment location and even though I had a conversation with them they are still claiming that they have not received it. Notice also on the attached documents the XX/XX/XXXX payment from their website. I sent that payment early and to the XXXX, Texas address. I am frustrated all the time with them and feel that they are trying to take my house even when I make the payments on time. Even when I spoke to them they should have at least checked the XXXX, Texas office to see if the payment was there instead of automatically assuming that I missed the payment. I sent other money to other bills that same time and they all received their payments. I also feel that since I got dismissed from bankruptcy they are really trying hard to put me back into foreclosure.

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 2021-10-19
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : 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 non-monetary relief
Consumer complaint received 2020-09-23
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
XX/XX/2020 - I faxed a letter to National Credit Adjusters , LLC, Attn. : XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, KS XXXX concerning Re : Acct # XXXX ( as shown on my credit reports with all 3 bureaus ). 

The letter ( which I have attached ) was addressing an account National Credit Adjusters , LLC has placed on my credit reports after that had been previously removed from my credit reports as not being valid. 

XX/XX/2020 - National Credit Adjusters , LLC closed the account on my XXXX  credit report, but it still shows a balance owed reporting of {$670.00}. Their entry on my credit report should, by law, be removed permanently from my credit report ( s ). 

XX/XX/2020 As of the date of this complaint ( today ), the accounts are still reporting as open and owed on both my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a federally protected consumer, and I am aware that you are in violation of my rights by furnishing an account to my consumer report without permissible purpose. I hereby demand that you cease and desist the negative reporting through consumer reporting agencies. Failure to follow this demand will result into a private right of action, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied to refinance my home loan with Wells Fargo and was approved. Wells Fargo assured me that we would close on the loan before the end of the year. But the loan has still not closed. On Saturday, XX/XX/XXXX I received a letter from Wells Fargo saying that I requested my loan application be canceled. The letter states that our loan application is no longer active in their system. However, I did NOT request that my loan application be canceled and I still want to close on this loan. 
I would like this matter resolved in one of the following ways : The loan should be processed and closes at the APR in the original rate lock by the end of this month.

Or Wells Fargo returns the money I spent on a home inspection and reinstate access to my line of credit with Wells Fargo ASAP.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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