BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
Equifax is reporting two XXXX XXXX accounts as open on my credit report. These account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX  INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I opened a U.S. Bank Smartly Checking account, with the promise of {$500.00} as a bonus for depositing over {$6000.00} or more in direct deposits. In addition, the fine print also stated that you needed to have mobile banking and you could not have a previous account with the bank within the last 24 months. The offer code of XXXX was attached to the application and the the application was directly submitted from the US bank website. No third party sites were used. The deadline to receive the bonus happened last week, and now the bank is stating that this offer was a targeted offer only and Im not eligible. This bank and its promotional offers are deceiving to clients, as the bank uses a bait and switch approach to lure its customers to open accounts and not pay out the bonus. They have multiple offers for checking account bonuses and each one worded differently. There was no verbiage of XXXX  Offer in the disclosures. Ive tried to reach out to the bank and they tell me that the offer was a mistake, or that there is nothing they can do because it was targeted ( which there was no verbiage ) of that being a case. I literally got the offer code from their site. Be careful about using this bank and their offers.

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 2016-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016, I used Capital One 's new XXXX payment system and sent XXXX {$350.00}. The service allowed me to send a payment to XXXX by her phone number XXXX. XXXX never received the funds and our investigation began. Trace number for this transaction is XXXX. 

In short, the funds were transferred to an account at XXXX. An account that was closed 5 years before this payment 's submission ( XXXX does not currently have a XXXX account ). We were told that XXXX ( Capital One 's service provider for XXXX ) saved XXXX 's old information and the funds were automatically sent. When speaking with XXXX, they claim funds can not be transferred to a closed account and those funds were rerouted back to the sending party. As it stands now, Capital One is refusing to investigate further, XXXX indicates they do n't have the funds and XXXX wo n't speak with me. 

To date, I have spent over 12 hours on the phone with 10 different Capital One agents, 4 Different XXXX agents and XXXX person from XXXX. Capital one claims they located the funds, but can not support us in returning them. XXXX claims they do n't have the funds and XXXX wo n't comment. I 've even bridged a call between Capital One, XXXX, XXXX and myself. Which resulted in a stalemate of no one claiming responsibility. 

Sadly, the facts listed above to not touch on how irresponsible Capital One has been in the matter. A representative from Capital One ( XXXX ; AgentID XXXX @ XXXX ) indicated " this product roll out has been a very big mess and we should get your funds back ''. Three weeks later, XXXX called the day before XXXX to tell me that the issue is my problem, because the recipient has bad information in XXXX. I explained this is a XXXX service offered by Capital One and there should be systems in place because consumers do n't know who XXXX is and the consumer is not responsible for managing a XXXX account. 

Please help, this is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: MD
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:
My wife passed away on XX/XX/XXXX and our monthly income had included her social security and pension income which have now been discontinued. My income has been reduced to less than half of what we had together while she was alive. I contacted Chase Bank on XX/XX/XXXX to explain my current financial situation and asked if they would adjust my 25 % interest rate so that I could continue to make payments on this account, reduce my monthly payment, and have more of the payment go towards principal. The balance is over {$6000.00} and they only offered me to settle the account if I could pay {$4700.00} within 90 days. I do not have that amount of money to settle the account. I want to do the right thing and continue to make payments, but I have always felt that 24.99 % interest is taking advantage of any borrower as I will never in my lifetime be able to repay the principle when most of the monthly payment goes towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$31000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have a XXXX XXXX credit card. Wells Fargo is saying that I transfered an amount to their credit card but are sending everything to an address that I lived at over 20 years ago. I didn't make the supposed transfer. I live in XXXX. I have received 2 emails from them and nothing else. I've called about the issue 50-75 times now and get put on hold for 15+ minutes. Majority of the calls last over an hour and this has to be the worst phone service that I've ever dealt with. Why am I the one who has to call them when there's supposingly an issue on their end? I was also told from 3 different reps that the account was closed and reversed and I had nothing to worry about. There was about 1-1 1/2 month gap and then I received an email about a late payment about an account that was supposed to be closed. I'm confused on pretty much everything about Wells Fargo. Everyone I mention this to tells me that it's probably a scam and to stop calling them because they do ask for my information every time I get transfered which is at least 5 times per phone call. I'm not sure if I should be worried. They also mentioned that I have made several transactions with the card/account but I've yet to hear where the location of the transactions are. I guarantee they were not made in 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 2019-06-21
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am working with an independent Mortgage Broker that I have known for years. I am applying for a new mortgage as i am moving for a new job. I received phishing phone call from AmeriSave. They contacted me stating they received word from the credit bureau that they needed to obtain my SS # and other personal information to issue a pre-qualification. I verified from my broker that this is not legitimate. I spoke with " XXXX '' at Amerisave and her phone number is XXXX. 
The mortgage broker indicated that credit bureaus are selling information to lenders to go after business. The issue is that they are deceptive in their tactics, making you think that it is part of the process for the loan in which you are applying, and it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After reviewing the account statements I discovered that credit that was applied on XX/XX/2018 for XXXX was reapplied XX/XX/2018 as a charge or a balance transfer. This amount was the charges for the card I had not received and the charges that were not recognized when I had gone to the branch and spoke to the teller that in fact treated me in a very poor manner. There was also a late fee that was charged in XX/XX/XXXX for XXXX and I do not understand how that was done as I have no late payments and Wells Fargo is the only account that has reported this error. So the amount that was in dispute was just reapplied as a balance transfer?? That seems to be unfair and as time has gone by there has been no letter to state the charges were going to be reapplied. Then there was several ( BANK REVERSE CREDITS ) that were not clear as to the reason for the adjustment. I would like to have this issue looked over because I think that doing business with Wells Fargo has become a real problem and that I believe that the balance for the account is far less than THEY have indicated.

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 2023-10-26
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: Reporting company used your report improperly

Complaint:
This is a formal complaint that Experian is being noncompliant and they are doing in deceptive practice. Sometime around the end of XXXX, I found the following component on Experian. this is a formal complaint tht XXXX is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. XXXX XXXX XXXX account XXXX XXXXXXXX latepayment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account # XXXXlate Payment. Dept of education account XXXX XXXXXXXX/late payment. Dept of education account # XXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. To which the companys response was as followed Per your request to conduct a reinvestigation, we contacted the data furnisher vendors for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed items may have also been updated by the data furnishers. The results summary was sent to you for review on XX/XX/2023. ( plz refer to complaint number ( XXXX XXXX ), however I did not receive any response to any dispute I have file, and this inaccurate ans illegal information still remains on my credit report to which is a violation under the FCRA. I believe this response was a attempt to stall.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Service for the amount of {$340.00} started reporting a collection account on XXXX. The original creditor name XXXX XXXX. These companies are reporting an inaccurate account to my XXXX credit file. I contacted XXXX in regard to rectifying the account they stated they have no control over the account and can not send me the information used to validate the debt. This Is very frustrating i never had an account with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22, I was scammed by the XXXX XXXX scam in the amount of {$24000.00}. I had a cap of {$300.00} on my checking account and should have been notified by Chase Bank. Just prior to this happening, there were 2 unauthorized small debits from my checking account and the bank emailed me about those at the time of occurrence. My checking and savings accounts were hacked. In order to get the {$24000.00}, someone made an unauthorized withdrawal ( there was a handwritten bank slip but I didn't sign it ). The first time, the scammer tried to get the money wired, the bank rejected it. So the scammers or the bank employee did that unauthorized withdrawal from my savings account and deposited it in my checking account. The scammers then tried again and succeeded the 2nd time. I am XXXX and a senior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I opened a checking account online with Washington Federal Bank. In the opening process I was given a choice between three types of debit card designs ( Sounders, Kraken, or plain ), and I chose the Kraken card. I expected it to arrive in about a week as is the industry standard. 

Two weeks later, on XX/XX/2021 I called their customer service inquiring about the status of my card because I had not yet received it. I was told that because I had chosen a custom design my card could take up to three weeks to arrive and that is was in transit. I told the employee that they should really advertise that on their website so that consumers can make informed decisions because I needed that card to make purchases on my new account. I waited another week and the card did not arrive. 

I was in the hospital for 3 weeks after that, and when I got out I checked the mail, expecting to find my card in the large pile of mail that had been collected for me and it was not there. I called customer service again on XX/XX/2021, now 6 weeks after opening my account, to tell them that the card had not arrived. I was told by the employee that the person in charge of ordering my card had neglected to order it on XX/XX/2021 when I opened my account. She told me it would arrive that week and had no empathy for my situation. I asked for a follow up from management about the incident and to date have received no contact from WAFED Bank. 

On XX/XX/2021 I received a debit card in the mail, but it was the plain design and not the Kraken one that I had waited extra time to receive. The employee I spoke to on XX/XX/2021 must have lied to me since she said that it had been ordered at the time I called. I also can not believe that something so simple as ordering debit cards is managed by individual employees with no oversight to ensure the task is completed, and is not an automated 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 2023-05-08
Company: Thaxton Investment Corporation
State: GA
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:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb 1 ), has violated several of my rights.

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 1666B : 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 these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
XX/XX/2021 a request for updated personal information was sent in to TransUnion. 
XX/XX/2021 after obtaining an updated credit profile it was brought to my attention that someone else 's information has been reporting on my credit profile. 
XX/XX/2021 Transunion was sent a failure to update P.I letter. CM : XXXX. 
XX/XX/2021 I filed a compliant with the CFPB Complaint ID : 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