BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We found that someone took XXXX out of our checking account to pay a credit card that was on bill pay ( XXXX to be exact ). I don't have a XXXX credit card. I did 2 years ago but I haven't had anything to do with them in that time frame. Someone from Wells Fargo took that money out of our checking and paid someone's XXXX card. I don't exist with XXXX. Bank said I did it when I didn't ( card doesn't exist ). 
I ask them where the money is and they don't know. And they have continued to ignore us. 
Last I heard was that I had to prove that I didn't do it. I did prove it. I don't have a XXXX credit card.

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 2023-08-23
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I applied for a Barclay 's XXXX XXXX credit card. It offered a signup bonus of XXXX miles + {$95.00} statement credit when spending {$2000.00} within 90 days. 

I met the spending requirement within 45 days and was awarded the XXXX miles as expected. However, the {$95.00} statement credit was not issued. 

I contacted the bank and they first said that I needed to show them an " offer code '' in order to get the credit. I responded by informing them that I followed a link which clearly stated the offer ( but had no " offer code '' ) and that, even now, the same offer that I signed up for was being advertised ( see attached ). 

They told me that I must have signed up for a different offer because they had no record of the statement credit offer on my account. 

I have a record of their offer that was previous to this current one ( .which they launched on or about XX/XX/XXXX ) and it was only for XXXX miles & NO {$95.00} statement credit. Clearly, because they awarded me XXXX points, they should have also awarded me the {$95.00}. 

*** They owe me {$95.00}.

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 monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /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 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 2023-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Complaint Regarding Fraudulent Account on Experian Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding a fraudulent account that has been reported on my Experian credit report. I recently discovered this account, and I have no knowledge of its existence. The presence of this fraudulent account has caused me considerable stress and XXXX. 

Below are the details of the fraudulent account : Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 73 High Credit : {$17000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I would like to emphasize that I have never opened or authorized an auto loan account with the mentioned details. This fraudulent account has appeared on my credit report without my knowledge or consent, and it has negatively impacted my credit standing. 

I have already taken several steps to rectify this situation. I contacted Experian to report the fraudulent account and requested its removal. However, I believe it is necessary to escalate this matter further and bring it to your attention. 

I kindly request your assistance in investigating this matter thoroughly and taking appropriate action to have the fraudulent account removed from my credit report. I have attached copies of supporting documents, including credit reports, that validate my claim of identity theft. 

Additionally, I have filed a police report with my local authorities to document this incident. Enclosed, please find a copy of the police report as further evidence of the fraudulent activity. 

I understand the seriousness of identity theft and its potential consequences. I am taking all necessary steps to protect my personal information and prevent further fraudulent activity. Placing a fraud alert and freezing my credit reports have been implemented to safeguard my financial well-being. 

I appreciate your attention to this matter and request that you provide me with regular updates on the progress of the investigation. I trust that you will handle this complaint with the utmost care and urgency it deserves. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to contact me if you require any additional information or documentation. 

Yours sincerely,

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 2022-11-15
Company: Experian Information Solutions Inc.
State: MD
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 # 3 XXXX Accounts that have been active since XX/XX/XXXX. All # 3 posted to my Experian as New Account on XX/XX/XXXX. This has caused a decrease of 70 points. 

Due to XXXX XXXX, we are still experiencing hardship. Payments have always been made on time. 

Just last month I received my first 30 day late report that was added to all # 3 accounts, that then was posted to my account on XX/XX/XXXX showing NO payment history for any of the # 3 accounts. 

Shows # 3 New Accounts with a 30 day late payment. I called asking for a resolution to these accounts and why did they report to my Experian almost a year later with no payment history listed. No response

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 2021-10-21
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated. 

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.

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 2022-11-15
Company: Self Financial 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: Account information incorrect

Complaint:
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS ACCOUNT HAS BEEN CLOSED & CHARGEDOFF FOR MONTHS NOW AND YOUR COMPANY STILL REPORTS THIS AS CURRENT WHICH IS NOT ONLY FALSE BUT IS ILLEGAL AND VIOLATES MULTIPLE RIGHTS UNDER FCRA. LISTED BELOW IS FCRA SS XXXX EQUIFAX IS GOVERN BY THESE LAWS AND THIS ACCOUNT VIOLATES MULTIPLE LAWS & CONSUMER RIGHTS LISTED BELOW. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: LoanCare, LLC
State: WA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In XXXX and XXXX of XXXX  my mortgage payment was deemed as late. There was an error because funds never were taken out of my account.I had to call and tell responders to take money out of my account. And my payment was late XXXX months in a row because of this. 

Also in XXXX, XXXX, and XXXX of XXXX  this happened again. So I moved payments to another account. Because of this ongoing issue.

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 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One Visa CC # XXXX On XX/XX/2019, I reported my card as lost/stolen with a Capital One agent on the phone, immediately right after I received a text message from Capital One asking me to confirm a transaction, and I replied NO. Unfortunately, there was already a charge for the amount of {$3100.00} on the card, which I did not recognize and reported as unauthorized and fraudulent. I received a temporary credit for that amount on my card, after a few days, pending an investigation. Yesterday, XX/XX/2019, I also had a voicemail on the phone from a lady from Capital One, saying my dispute has been resolved, and I assumed in my favour, or I would have been contacted prior by the agent. Today, however, XX/XX/2019, I looked at my CC and noticed a charge for that same amount from XXXX Store again back on my card. I thought this was a mistake, and called the agent on the phone, wondering what is going on. The lady first told me that I have been refunded by XXXX for the charge, but she can not see on the statement, and neither could I. Then, after she placed me on a few minutes hold, she told me that this charge has been determined not to be fraudulent, and you have been re-billed by the merchant. I asked the lady on the phone, as to why I have not been contacted to provide more information or file a police report for the card that was lost/stolen, and I reported it promptly, and the lady had no answers for me other than the fraud claim has already been closed, and she can no longer do anything. She did not have any answers for me as to what information they have observed to conclude this charge was not fraudulent. 

What has happened here is absolutely absurd, and unacceptable. The card was lost/stolen in another country, while I was visiting, there was a charge on the card which was fraudulent, and was reported as fraudulent on the same day that the charge occurred. Nobody has ever reached out to me from Capital One to provide me with information on what new information they have received to deduce this charge was not fraudulent, or to ask me for more information to resolve this claim. This is a violation of my rights, and by law, for unauthorized charges made by a credit card, reported promptly, I should be reimbursed and not be held liable. Please assist me with this inquiry. Thank you for your time and consideration. 

-XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023, I had {$280.00} in my CashApp account when I received {$450.00} repayment for an upcoming trip to XXXX ( XXXX XXXX XXXX US State Department ). On XX/XX/2023, I received another {$200.00} from the same person for a total of {$650.00}. After not being able to transfer my funds I contacted CashApp via the phone and was told that I couldnt receive any information and that I would be contacted via email. I received an email asking me to explain the activity in my account. I answered all the question. Since the initial interaction I have emailed with Cash App for 6 weeks answering every question and asking for an explanation of their process and timeline. I have not been provided an explanation of their process or given a timeline. I receive emails from their team asking me to provide the same information over and over again. The only way to communicate with the team is via email and they do not respond timely or answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me mental anguish by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the 1 late payment on XXXX  of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. EXPERIAN IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.

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 2023-12-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have an FHA loan with PennyMac financial services. I have my property taxes and home insurance escrowed. My monthly payment jumped from {$1000.00} to {$1400.00}. I conferred with my XXXX XXXX XXXX and she agreed that something wasnt right. We had a conference call today ( XX/XX/2023 at XXXX XXXX  ) with XXXX members ( which included a supervisor ) of XXXX XXXX service, when asked for a breakdown of the escrow analysis it was revealed that there is an escrow shortage in the account as well a projection amount for up coming escrow payments. My XXXX as well as myself did the math with the information provided and found that theyre charging over double the amount necessary to cover their bases. They refused to elaborate on the additional fees. We asked what their internal policies are for challenging these seemingly unexplainable amounts, we were told there were none. After XXXX minutes, the woman supervisor admitted that she could indeed remove the escrow reserve payment. However there is still an additional {$210.00} escrow shortage payment that needs to be removed, as the increase in the actual escrow payment is more than enough to cover any shortfall or projected costs for the coming year. I am asking that they be investigated for unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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 have disputed the reporting of my Santander loan 3 different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having covid. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX Capital One reported to all XXXX credit bureaus that I have more than 30 days late payments on both accounts, I have proof of payments between XXXX and XXXX, so this is inaccurate and misleading information and has affected my credit score by more than XXXX XXXX.

Company response to consumer: Closed with explanation