BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: FL
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 balance transfer

Complaint:
I mistakenly requested a balance transfer from my Wells Fargo credit card to my XXXX credit card for the amount of {$6000.00}. I meant to transfer a balance from my XXXX credit card into my Wells Fargo credit card of that amount. I attempted to cancel this balance transfer but was unable to do so as the processing began and it could not be canceled. Since there was no balance to pay off on my Wells Fargo account in other words my current balance at the time was {$0.00}. After the balance transfer my account was now negative {$6000.00}. I called Wells Fargo to send me a credit balance refund so they credited the account but they never sent over a check to me in the amount of {$6000.00} so that I could pay back that amount to XXXX. I even called Wells Fargo 's executive department that handles complaints like these and investigates the issue however they were not able to resolve anything so I am still {$6000.00} short. I was responsible to pay a higher balance on my XXXX credit card for a mistaken balance transfer request. In order for XXXX to process a credit refund on my account for {$6000.00} they need me to send them a check from Wells Fargo. I also need a refund of the balance transfer fee of {$300.00} that I was charged by XXXX for this incorrect request which they could only refund me as soon as I send them the {$6000.00}. Wells Fargo has failed to help me resolve this issue. Also, a Wells Fargo representative guaranteed me on a recorded line that I would be receiving a credit balance refund in a form of a check in 7-10 business days from the day I called and requested the refund which was XX/XX/2023. They have still not refunded me that amount.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-13
Company: Experian Information Solutions 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:
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 719XXXX 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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  n cant provide to my XXXX XXXX XXXX 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My commitment to on-time payments is unwavering for these accounts. Requesting an urgent update to accurately depict this history.

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 2021-08-25
Company: Sunset Solutions Group, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I received several phone threats from Ms. XXXX in XXXX, but I told her to do what she needed to do in the courts. On XX/XX/XXXX she called from a XXXX number ( XXXX ) XXXX ext. XXXX stating she was with Sunset Solutions Group demanding to file a judgment against me and deduct money from my payroll if I didn't make payment arrangements. At this point, I agreed to pay a one time payment of {$200.00} and $ XXXX  monthly until paid off. I received a XXXX via email from XXXX the Accountant and a settlement document as well. I signed the document even though it was against my better judgment and they withdrew one payment from my account. However, during the month I spoke to my bank rep and they said it sound fraudulent and banks do not make phone calls, they send out letters in the mail. So, I had my bank to issue me a new debit card. The next month I received another call from Ms. XXXX requesting the money, but I refused to pay. Another rep by the name of XXXX XXXX, Creditor Supervisor called on XX/XX/XXXX saying Sunset Solutions Group had purchased the account from XXXX XXXX  XXXX XXXX and Mr. XXXX reduced the intended amount of {$1300.00} to {$600.00}, however, I refused him as well. 

After I spoke to Mr. XXXX I called XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) and they didn't have a Lein Department. I researched Sunset Solutions Group to find out that the business is unclaimed and anyone could claim this business for free. 
Also, there is a New York phone number ( XXXX ) XXXX for Sunset Solutions, CEO XXXX XXXX, but I can never reach anyone. I was just introduced to this site by XXXX XXXX to file a dispute so this is why it is now XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid CCS the remaining amount due in a debt with XXXX. I sent them the cashiers check for XXXX on XXXX and they cashed it and emailed me saying they received it and the account is closed on XX/XX/15. The memo of the check stated that this check was for the payment and deletion of the account. CCS received and cashed the check but failed to delete the account. I called them and they said they were unable to delete it even though they agreed to the terms in the memo and cashed it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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 T 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 719XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Synergetic Communication Inc
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
i did not even know what this debt collection was about, till i did a research it was a loan to a family member way back in around XXXX or XXXX, they asked me questions like who is my father or is his name so and so, why are they harrassing me for a loan back 13 or 14 years ago and its the first time i received this notice, seems like a very drastic greedy move to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been made aware of recent hard inquiries on my XXXX  and Experian credit reports that I believe to be fraudulent. 

XXXX  : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with XXXX and am awaiting the fraudulent inquiries to be stricken from my credit report. 

Experian : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with Experian, and am awaiting the fraudulent inquiries to be stricken from 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: In progress
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: IL
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 list Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX XXXX 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 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 2019-01-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In XXXX, I received a flyer to open new Citi checking and savings account. I brought the flyer to a Citi banker whose name is XXXX. XXXX opened the account and told me that if I deposit {$15000.00} and maintain the balance for 60 days then I will be qualified for the bonus. 

I pointed out to him that I need to open both Checking and Savings account. He explained to me that the requirement is " Either OR '' NOT " BOTH '' ( see the email ). 

After 6 months, I still haven't received the bonus and Citi told me that I did not meet the requirement because I did not open BOTH checking and savings account.

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 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Around XXXX XXXX, I deposited {$120.00} into the ATM. The screen froze after accepting my cash, " processing your transaction, please wait ... ''. I waited around XXXX minutes and then my card was spit and the cash was not credited to my account. 

XXXX  # XXXX in XXXX, Arizona.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 XX/XX/XXXX at XXXX, I entered The XXXX XXXX to purchase a generator. After attempting to use my debit card, the check out person XXXX from XXXX XXXX recognized that I did not get a receipt from the transaction so after calling management, he did not allow me to leave the store with said merchandise understandably since there was no record of the purchase. I then checked my account on the application and seen that on the Capital One app it had indeed debited my account for the total amount of the transaction and being surprised, I showed the cashier XXXX the app which showed it indeed was taken. He said to contact my bank as there was nothing else they could do. I called Capital one 360 at that moment while still in the store and got through with an agent who explained that since they are saying it didnt go through, he would refund me the funds and conduct an investigation. That was the last thing said and I assumed it was taken care of. 

Fast forward a month and a half later to today, I get an email from Capital One 360 that they denied my claim due to proof from merchant that it was a valid transaction and that they would be taking back the money for the purchase that did not go through. After catching an anxiety attack, I called Capital One 360 to ask how they could come to this conclusion and an off shore agent with a lack of empathy told me that the merchant satisfied there investigation and therefore they concluded that it would be taken. I rushed over to The XXXX XXXX to see what proof they provided and was told that there was none, no record of that purchase was found and further, loss prevention checked the camera on said day and confirmed that I did not walk out with any merchandise on XX/XX/XXXX. They provided me proof that the money was not taken due to the transaction failing, or something to that effect but Capital One still insists that they have proof that was sent to them by XXXX XXXX of it being valid which is impossible because they do not have any account of me making a purchase that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Selene Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan with XXXX Mortgage in XXXX state was sold to Selene Finance late in XX/XX/2022. My home loan with XXXX Mortgage ( loan # : XXXX ) did NOT have an escrow account for insurance and property taxes and is clearly indicated as such in the closing documents. After I received notification that Selene Finance bought my loan ( Selene loan # : XXXX ), I created an online account on their loan processing website. The online account showed my first payment for XX/XX/2022 as {$10000.00}, which was incorrect. My mortgage payment was only {$7300.00}. I deduced that Selene was adding an additional amount to my payment to cover taxes and insurance as-if my mortgage had an escrow account. At the end of XX/XX/2022, after a lot of effort, I was able to prove to Selene that my mortgage did not have an escrow account and had Selene remove the escrow account they incorrectly assigned to my mortgage, and had my monthly payment adjusted to the correct amount. Half of my XXXX XXXX property taxes ( {$15000.00} ) were due on XX/XX/2022, and I paid them in full on that date. Apparently, Selene Finance mistakenly also paid the same amount to XXXX XXXX towards my property tax balance in late XX/XX/2022, despite not having any escrow account associated with my mortgage or any accumulated funds to go towards these taxes. They have now just sent me an Annual Escrow Account Disclosure Statement dated XX/XX/2022 showing an escrow shortage of {$25000.00}, and adding {$4700.00} to my monthly payment, {$2500.00} to go into an escrow account that my loan closing documents clearly state does not exist on this mortgage, and {$2100.00} towards " Shortage Spread '' to make up for the taxes they mistakenly paid and that I have already paid. I have made XXXX attempts to get this straight through their customer service department with no success. Receiving this escrow statement now has caused me to file this complaint in hopes of getting some sort of resolution. It is not my fault that they erroneously paid my property tax from an escrow account that doesn't exist, and it is a breach of contract for them to force me into having an escrow account with a new inflated payment to cover their mistake. They need to retrieve their funds back from XXXX XXXX and remove this escrow account from my mortgage.

Company response to consumer: Closed with explanation