BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Narrative of my 30 Day Dispute With this current auto loan with Wells Fargo Dealer Service, I have never been late with any payments on this auto loan. I have attached all payment receipts for this account for your review. 

This situation was beyond my control. I was involved in a XXXX car crash on XX/XX/2018. A woman in XXXX XXXX California was XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX residential area at XXXX XXXX, she ran a XXXX XXXX hit a car and XXXX that person, and his car hit my car. 


The woman who caused the accident had refused to talk with her insurance company XXXX because she was advised by her Attorney not to talk to anyone so she would not incriminate herself, so my insurance company XXXX paid off my car minus my $ XXXX-dollar deductible and the {$580.00} that I owned on the car more than what the car was worth. 

I was in constant contact with Wells Fargo Dealer Service trying to make sure everything was going according to plan and making sure this loan gets paid off in a timely manner. After Wells Fargo Dealer Service received the payoff from XXXX, I contacted Wells Fargo Dealer Service on XX/XX/2018, to pay off the remaining balance, when I spoke with the supervisor about paying off the car with my Credit Card, the supervisor told me that Wells Fargo Dealer Service does not accept Credit Cards. 

I explained to the supervisor that this was an insurance claim, and I wanted to pay off the balance of {$1500.00} because XXXX had not accepted Liability of the accident that happened on XX/XX/2018, the supervisor said that there was nothing she could do because we dont accept Credit Cards. 

On XX/XX/2018, I called Wells Fargo Dealer Service once again trying to resolve this issue. This supervisor was very informative, and he explained everything to me about a program that could help me, which is called the XXXX XXXX program. The next day XX/XX/2018, I immediately started the process in enrolling in the Insurance Deficiency program. I was approved for the Insurance Deficiency program. 

The supervisor who I talked to on XX/XX/2018, never informed me about any programs that would be able to help me in my dire financial situation, nor did the supervisor explain to me that the account went back to normal when Wells Fargo received the insurance claim check. I, as a consumer and a loyal Wells Fargo Customer who was not aware of any of this information. If this supervisor who I spoke to in XX/XX/XXXX would have informed me about the insurance Deficiency program, I would have enrolled in the program at that time and not have this 30 day late sitting on my credit 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 2018-12-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an impound account with my mortgage company to pay taxes and insurance for the home I currently own. On XX/XX/2018 the company paid the property tax erroneously on a property that I no longer own and failed to pay the taxes on the correct property I do own. I contacted the company on by phone on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. The company not only has not resolved this mistake but sent me a letter indicating that my mortgage payment will increase due to an escrow shortage.

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 2024-01-19
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The company is Barclays bank and the credit card is the jetblue credit card. 

I logged in to my account to find a message saying the account was locked and that i needed to call customer service becuase there were transactions that needed to be reviewed. I called customer service XX/XX/XXXX and was on hold for XXXX  hours and XXXX  minutes. I eventually hung up and decided to call the next day, XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and have been on hold for over XXXX hours already. I sent a message to the customer service team through the online website, but they told me that they can not help me and that i have to call the customer service team. 

I can not get a hold of anyone at this company and can not pay my bill or make any transactions. I need to just get in touch with someone at this company!

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 2023-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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 used my Venmo credit card to book two tours from XXXX on XX/XX/. The two transaction amounts were {$120.00} and {$180.00}. ( they are posted in USD and the original transaction was in XXXX ). I canceled the tours on XX/XX/XXXX and XXXX sent me emails that they have issued refunds regarding my cancellation. ( please see attached emails for evidence ). However, I never received the refunds from Venmo credit card. I have contacted them several times and they open the dispute at the beginning however they closed it and said I didn't give them evidence. They never told me a place that I can upload evidence )

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I have two fraudulent charges made to my checking account these charges were made via XXXX XXXX online payment to a XXXXXXXX XXXX XXXXXXXX, The Charges were for {$1500.00} and {$1100.00}. I reported the fraud on the morning of XXXX as soon as I woke up and saw the charges. My bank Wells Fargo said they would investigate and that I would not have access to my funds until they completed their investigation. On XXXX there were XXXX more fraudulent charges to my account one was XXXX BANK TRANSFER XXXX in the amount of {$7900.00} and another was XXXXXXXX XXXX XXXX Payment XXXX XXXX in the amount of {$330.00}. These new charges over-drafted my account by over {$5500.00} dollars. Additionally {$830.00} was taken from my savings for overdraft protection to cover the new fraud. I called my bank ( Wells Fargo ) to report the new fraud and to question them as to why they did not take proper precautions to protect my account after I had just reported the fraud the day before. My bank just told me they would add the new charges to the fraud investigation and that I would have to wait for their investigation to clear before I could find out if I would get my funds reimbursed. I am now in a situation of having an overdrawn account from which I have automatic bill payments taken out of including utilities. I believe the bank was negligent in allowing my account to be overdrawn like this after reporting fraud the day before. I am left with no money and they are making me wait for an investigation to determine whether I get my funds. I am in trouble and the bank basically just told me I was out of luck. They offered no financial assistance for my hardship to to what I feel was gross negligence on the part of my bank.

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 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This is my complaint about AMEX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened this checking account on XX/XX/2023 in XXXX Ca. My account was closed XXXX and I called more than 11 times to inquiry about the check which is suppose to be mailed out. There is no tracking available. It has been difficult dealing with citibank. I was treated horrible and I will never ever use this bank again.

I can't get a straight answer. The last lady I talked to named XXXX said I should call for 30 days. Citibank has made interest on this money and seem like they are trying to steal my money. 
They have been very unprofessional with me. 
The amount of the check is {$6800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2019-09-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a dispute with this company, asking to verify information about the debt, because the original creditor shows that the balance is XXXX and no debt is owed. The dispute came back and nothing was changed, although they did not verify it was my debt. I recall that being mandatory, as that was the whole reason for the dispute in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I initiated a dispute with XXXX  because they inaccurately reported a balances on 2 of my XXXX XXXX accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and Experian reported the balance of {$590.00} with a {$800.00} credit limit. On the second account XXXX  reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint.

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX  XXXX. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing 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 explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : TransUnion, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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 2023-08-17
Company: CAINE & WEINER COMPANY, 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:
Violation of permissible purpose, no authorization was every given for private source data to be shared with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested a copy of all three of my credit reports and was shock to see the information on my credit report i was a victim of identity theft I notified my bank to put a freeze on all my accounts

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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife opened a Barclays Credit Card that subsequently put a restriction on our 3 Barclays Joint Savings Accounts. 

This required verification documentation. This was sent to Barclays on XX/XX/XXXX via the fax number provided and was received by Barclays. 

Despite 10 outbound calls on the days listed below to try and resolve, it has still not been resolved, and I have not been provided with any additional direction of what I need to provide or a timeline for resolution as of XX/XX/XXXX ( over a month ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This means that my funds are completely frozen and restricting my ability to pay any bills. I have no way of escalating to close my account due to a complaint.

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 2024-01-20
Company: ALLY FINANCIAL INC.
State: GA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is my complaint about JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I flew on an XXXX XXXX flight in XXXX. Since, there has been an account opened with my information that I did not authorize or even know about until I got an email saying I owed monery and a late fee. The card was through a company called Barclay, XXXX card # XXXX. I do not have the card and never applied for the card. Now it is on my credit report. I talked to someone from Barclays, ( not sure if it was really them or scammers ) they said they would close the account and refund the fees. I have not received a confirmation email and I am very worried that they have all my info. They have my address, phone and social security number and birthdate. I worried they will do something with my personal info.

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 2022-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My sister made a XXXX deposit for me on Wednesday, XX/XX/XXXX, and I have not yet received the funds in my account and it is now, Sunday, XX/XX/XXXX. The earliest the funds could be available would be Monday the XXXX, a full 3 business day and 2 non business days later. The bank, Wells Fargo is holding the funds for too long and profiting off them for their own benefit. This should not be allowed and should be if it's not already against the law. What can you do to help?

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