BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a dispute charge back request to my bank, I gave the instruction by phone on XX/XX/XXXX under the claim XXXX XXXX, the bank never sent any letter or information about the claim. So I called a couple of weeks ago to know more about the status of the claim. From customer service they said that the claim was denied because was a face to face transaction, something that is not valid if the bank never requested more information. There are several stores that dont work with the stock of items on the same store like XXXX or XXXX XXXX. 
I reopened the case and sent the invoice showing that shipment service was paid and requested to the store, but the bank also closed the case the same day of reopened without any valid reason. If the bank wants to help the customer and proceed how was instructed they will sent any letter or notification requesting more information about the case or a letter explaining more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 ; SEC 602 states that I have the right to privacy. 15 USC 1681 SEC 604A SEC 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 

This statement is in regards to the account below - Capital One Reported dates of XXXX, XXXX, XXXX & XXXX XXXX XXXX 
Status of the account shows " current, was past due 60 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/XXXX Wells Fargo bank received instructions from " XXXX XXXX XXXX, XXXX Field Office '' to freeze my business checking account due to an investigation. Note : I have no knowledge of any investigation to date, nor have I received any correspondence of such activity. 
I am in receipt of that letter, which states " You shall refuse access for a period of NOT MORE than three court days, including the day of delivery.. '' ( Letter is attached ) The letter was received XX/XX/XXXX ( Tuesday ) .. I, and my bank, have not received any other communication from that authority since the XXXX. Due to lack of further action, the bank was required to release my account 3 days after Tuesday ( including date of delivery-Tuesday ), which would have been Friday, XX/XX/XXXX. 
However, Wells Fargo has yet to release my account, they have been giving me the run-around since Friday, and are refusing to release the account due to " lack of approval to release the funds. 
I have reached out to an attorney who believes their actions, or lack thereof, is completely illegal. They have followed instruction and froze the account, but are not following the instructions to release it. 
I want to note : I have not been able to do any sort of business for over a week because of this. I can not make sales because the account is still frozen. Also, all the checks made out to my vendors last week have all bounced, and they are refusing to work with me until they get paid. 
I really need some help to cure this injustice. I have tried reaching out to the XXXX XXXX XXXX office in XXXX XXXX. The agent who answered the phone seemed confused and says they don't know what I am talking about. She repeatedly told me that the XXXX XXXX " does not freeze accounts.. they do not work those types of cases, that is not their jurisdiction ''. 

I have expenses to pay : store rent, employees, kids tuition, etc. 
Please help me resolve this 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 2017-05-08
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: Personal information incorrect

Complaint:
To Whom It  May  Concern  XXXX   XXXX .  XXXX   XXXX   XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  FL   XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item (  s  ) listed below are as follow : Have enclosed a copy of my Id an d two  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  B EEN LIVING THERE SINCE   XX/XX/XXXX   THESE ADRESSES ARE MY OLD ADRESS :   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   Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15  U.S.C.  1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant  to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to  me and all creditors who have received a copy within the last 6 months, or the last   2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.       Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the  item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal  Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents.

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score. 

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline.

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly.

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights.

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.

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 2023-09-29
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Paypal Credit Account through Synchrony Bank on XX/XX/2023. On XX/XX/2023 I received a denial letter stating " We regret that we are unable to approve your request at this time for the following reasons : No open real estate secured loans in your credit file ... '' Is this legal?

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 2023-04-10
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: Account information incorrect

Complaint:
During the months of XX/XX/ my XXXX XXXX XXXX card was lost. I canceled and ordered one it never arrived and so I ordered another one. XXXX sent an update to all consumer reporting agencies concerned advising them of my new card info and that they should all update my card info. Equifax was the only agency that reported that my account was closed completely. I called XXXX and they advised me, in no way shape form or fashion did they close my account. To my detriment my credit score dropped XXXX points because of Equifaxs unconscionable and neglectful act which caused me to loose opportunities with another credit card company to lower my interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: LA
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:
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.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-05
Company: SYNCHRONY FINANCIAL
State: SC
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:
XX/XX/2023 and account was opened fraudently in my name with SYNCB/PAYPAL Bank . I contacted them on XX/XX/2023 and let them know it was fraudently opened without my consent. I them made a dispute with transition and put a freeze on all 3 credit bureaus.

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 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mailed in payment to settle debt in full but  Portfolio Recovery Associates, LLC continues to report a balance on my credit report. The company had previously sent me an offer letter t o settle the debt to pay {$590.00} and that is the amount I wrote the check for. I specifically wrote on the check that the amount settles the account in FULL. The check was cashed o n   XXXX   XXXX    2017. T h e company has updated my credit report showing that I owe {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: U.S. BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home in XX/XX/XXXX and financed the home through US Bank. In XX/XX/XXXX we refinanced the home through US Bank. Every year US Bank fails to document the insurance we have for our home. It takes several phone calls, emails and letters. Every year. It just feels like a scam. 

This year they finally did it. They sent us a bill for {$8200.00} for mortgage insurance saying they never received a copy of the policy. Their letter is dated XX/XX/XXXX. We placed our Flood insurance at the end of XX/XX/XXXX through our insurance agent at XXXX XXXX XXXX. They confirmed they sent US Bank the required documentation by mail at the address requested. I called US Bank in early XX/XX/XXXX and was told they did receive all the necessary paperwork. On XX/XX/XXXX I received a letter indicating they had not received the paperwork. I called and got an email address and had our insurance agent email the documentation to the bank and copy me on the email. They next day I called and confirmed that US Bank had received the email. 

Today, XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX indicating that they purchased {$8200.00} in flood insurance SINCE THEY NOW CLAIM THEY NEVER RECEIVED DOCUMENTATION THAT WE HAD COVERAGE. THEY INDICATE THEY ESTABLISHED AN ESCROW ACCOUNT FOR US AND WE WILL HAVE TO MAKE ESCROW PAYMENTS TO COVER THE AMOUNT OF THE POLICY. 

This is nuts. They have no way for me to verify that they have received a copy of the policy other than to call. How am I ever supposed to trust this company? Do I have any recourse other than paying the {$8200.00}? My word against theirs? Why would I pay flood insurance twice? Nuts.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( National Credit Adjusters ) for committing identity theft. I have never given ( National Credit Adjusters ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( National Credit Adjusters ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit Adjusters ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit Adjusters ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit Adjusters ) continues its collection efforts, I will file for litigation for actual damages caused and ( National Credit Adjusters ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 HAVE IDENTIFIED INFORMATION ON MY REPORT THAT ARE A RESULT OF IDENTITY THEFT THESE items ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME : 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

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 2023-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, my name is XXXX XXXX and I recently have a closed account ( XXXX ) in which Wells Fargo finally paid the {$200.00} courtesy credit that was supposed to be paid out to me XXXX of 2023 at the latest. I reached out to them on numerous accounts and each time I was given the same information that there was no courtesy credit that was owed to me, completely different from what i was told in an email earlier in the year. I had to take the necessary steps to filing a complaint with CFPB just to justify that I had been lied to about the money that was supposed to be given to me. I asked when CFPB asked in the survey how everything was handled, if they could ask Wells Fargo about the miscommunication and the hassle it took to get these credentials and was not given a follow up response. Thus, I am reaching back out with a new complaint because I do not wish this to happen to anyone else in the future. And if there is any way that they manage their systems to provided up to date and accurate information, that should be implemented. I wish to ask, if there is any additional monetary compensation that could be issued to me for the steps it took for me to receive the money that was technically already owed to me? At this point, I do not feel valued as a customer with all of the loops and holes I had to go through to get this resolved. I am dissatisfied with Wells Fargo for this mistrust and think that they owe me for the unwanted stress it took for me to fight back and get what was earned to me.

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 2022-03-26
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX of XXXX, I send XXXX usd from my XXXX account to XXXX. My XXXX  account shows that XXXX successfully received it, and XXXX customer service staff confirmed this. But XXXX claims the didn't, but doesn't even do any tracing with numbers provided to investigate the issue. I only get generic answers back. 

They say they could not receive a usd transfer as that account doesn't support it, and that's why they refuse to investigate. So even when I tell them that XXXX confirms a successful payout to XXXX, it falls on deaf ears.

Company response to consumer: Closed with explanation