BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: GA
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:
Received 1st letter XX/XX/XXXX, addressed to XXXX XXXX Called XX/XX/XXXX. Letter stated that I may have been billed for services I did not request or approve. I did not approved. Agent stated that I should receive a check in the amount of {$520.00}. No reference as to what the check is for or what it means if I cash. Asked if reimbursement or settlement as part of the law suit, they refuse to answer. They stated I should receive the check in 30 days. Called XX/XX/XXXX, I have not received the check. Agent on todays call indicated that check had not been mailed. 
XXXX XXXX Membership # XXXX REF # XXXX Received 2nd letter today XX/XX/XXXX. 
Called, asked the same questions. Agent stated that account had been terminated and asked if there was something he could do. I responded that the letter stated that if I did not approve these services ( Identity Theft ) that I should call. I called. Why is the agent acting as if there is nothing he could do. he should be providing instruction and explanation. After I asked to be escalated, he volunteered to address the letter. After escalation the Wells Fargo Customer Care rep stated there was nothing they could do. Why is it that every question you ask results in the call being transferred back to Wells Fargo Customer Care. Tell me this is not a contact firm hired to go thru the motions of taking the calls, but not with the intent of helping Wells Fargo XXXX, but adding a check to say that a customer can be removed from the list. 

XXXX XXXXXXXX XXXX XXXXXXXX I NEVER thought I would have to worry about my bank stealing from me. If you are going to send these letters, make sure the people are trained to address the questions.

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 2019-09-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced with quicken loans. Quicken loans went through all the info with us and the mortgage payment was to include our taxes and home owners insurance. We were given a new mortgage amount and we were happy with the new monthly payment. We decided to go with them. Quicken loans charged us over $ XXXX to go through with the refinance loan. We later found out they made a mistake and did not include our homeowners insurance into the home loan after all the paperwork was signed and done.They admitted to the mistake. Quicken loans just said oops and sorry and now your mortgage is going to be a higher amount. If not, you the home owner, just needs to pay it on your own. How is a company going to state the home owners Insurance and taxes were going to be covered in the loan and now say we ( the home owners ) are responsible for their mistake after docs are signed. I was emailed by a XXXX XXXX and stated that we are terribly sorry and you will need to figure this problem out on your own. Quicken loans collected a hefty amount to make sure all docs were correct and now, all we are getting is sorry our hands are tied!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the third time! According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 2023-05-13
Company: UNITED BANKSHARES, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several weeks ago, I subscribed to text alerts through United Bank of WV. The reason for this is I manage an additional property and 2 bank accounts ( they are connected ). At times, I may be too busy to check my statement every day and if low transfer money, so I signed up for the text alerts. Please be aware, I have not had excessive check charges, or low balances in the past few years. Every XXXX I receive a text alert showing my balance. On XXXX XXXXXX/XX/XXXX, several transactions cleared my account, leaving it with a low balance. I did not receive a text alert on XXXX XXXXXX/XX/XXXX at all. If I had of, I would have made an instant transfer to cover the amount. When I checked on my own on XXXX XXXX, I noticed I was overdrawn and immediately made an instant transfer. I called the XXXX branch and the manager, XXXX, told me it was my fault for not checking my balance and the text alerts were often not accurate. I send the bank president an email. No response. My complaints are : 1. Text alerts are offered as a convenience, they should be accurate. They are deceitful to the consumer if they are not accurate. 2. There is no disclaimer on the text alerts page stating the text alerts are not always accurate. 3. If banking practices take place all day, why are the text alerts sent out at XXXX or XXXX XXXX? Once again, deceitful to the consumer. 4. United Bank has a history of bad banking practices, for example, they used to rearrange checks to cause customers to be overdrawn. This was settled in court and the were ordered to stop. I feel like this is another bad banking practice by United Bank of WV and they know they are making money from check charges. Although I plan to open an account at a different bank, I am asking my check charge be refunded and that they add a disclaimer to their alerts page stating they are not accurate. I am not sure if they know the meaning of the term " alert, '' but they do know deceit.

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 2019-11-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Obtained a credit card with Barclays Bank after being promised a promotional credit of air miles. Paid a {$99.00} fee and was then told I would not receive miles as I previously had a no annual fee card. Cancelled card and they would not refund the {$99.00} fee.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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.

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 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
What more do I need to send as evidence? I was told, because I never sent payments through XXXX XXXX to Wells Fargo. Wells Fargo has a history of illegal business practices for at least 20 years. I was also told, because Wells Fargo, if I had records of transactions, but unless I could show proof of said transactions the complaint has been submitted as closed. 
I managed to actually find some past records. The whole premise of you never sent wires and we have no records of them. 
I had made wire transfers as early as XXXX. The same time period that Wells Fargo as a company wide, known illegal, basically criminal activity. 
I have sent document after document, to get no answer or response. Every piece of paper I sent, disproving everything lie that was stated in the response letter from the Wells Fargo closing the case. 
So I have proven that not only did they lie and cover up, they are still lying and trying to figure some legal loophole. 
If Wells Fargo wasnt find guilty for this same illegal practices. Had they not diverted funds to bogus accounts only to disappear and not traceable. XXXX XXXX dollar fine confirms their illegal activity during this time period. We have been the victims of Wells Fargo for 19 years, 19 years of lies deceit and criminal activity, established guilt XX/XX/XXXX when the courts levied the largest fine to date. 
Ive done everything I can to prove the out right lies and the continuing lies.

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 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I bought a car for {$12000.00} and never received it. I called the bank to dispute the charge and they said the woman sent in necessary documentation stating I did receive it but the documents were fake & Ive taken her to court since. I dont feel bank of Americas which was my bank at the time actually took the time to investigate the matter and still to this day XXXX havent received my money back.

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 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
We had our credit report pulled and noticed that Capital One posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have thousands of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to Capital One and they stated there was nothing they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-07-20
Company: EQUIFAX, 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:
My Equifax has my incorrect name, i am trying to buy a home and can not pull my Equifax at all. They have everything correct except my last name. my name is XXXX XXXX, they have me as XXXX XXXX. They cant seem to understand after several disputes that my last name has a XXXX and not a XXXX. I mailed a couple of disputes and one stated that my ID showed my name as XXXX XXXX but still did not update it, the other one stated after they investigated my last name was correct in their system as XXXX XXXX. I called Equifax and spoke to someone and they did a verification through my phone where they asked for a copy of my drivers license and the person ahkowleged the mistake and still my last name was not corrected. after 4 dispute and fails i am not sure what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Spoke to Experian fraud department. 

The woman told me that any company at any time without my permission can access my credit report this is what the woman at Experian told me she works at the fraud department I called in today XX/XX/2021 in order to dispute a credit inquiry from a company that I did not know who they were I told the woman who works for Experian that the credit inquiry hard inquiry was illegal she replied what does illegal mean and would not assist me further I didnt stated that there was fraud. In the Experian fraud department woman asked me what does it mean fraud? 

I told her that an unknown unrecognized company had access my credit report for a hard XXXX and I want to dispute that hard XXXX she told me that is not possible. 

I asked to speak to her supervisor at Experian and she said the supervisor would also tell me that any company at any time can do a hard pull on my account without my authorization and without my permission. Therefore she refused to dispute the inquiry. 

She then hung up on 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 2023-04-03
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express failed to properly handle a billing dispute regarding an unrecognized charge in accord with the cardmember agreement and federal law. In sum, my credit card was charged {$3.00} on XX/XX/2023 by a merchant called " XXXX  XXXX '' in " Malvern, XXXX '' But I was not in Pennsylvania and have absolutely no idea what " XXXX XXXX  '' even is. I disputed the charge with American Express and today received a notification from American Express that states the dispute is closed because : " We gathered the attached documentation we needed to explain this charge, and we've determined that you're responsible for the amount in question. '' But the so-called documentation is a computer generated " receipt '' that provides the same information as is on the credit card statement. It doesn't say what was bought, certainly doesn't say that I bought whatever it was, and again states nothing more than something from " XXXX  XXXX '' in " Malvern, XXXX '' I am not responsible for unauthorized charges under either the cardmember agreement or federal law, and American Express ' abject failure to make any reasonable attempt to resolve this issue is unacceptable and unlawful.

Company response to consumer: Closed with monetary relief