BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I believe that I may have been charged overdraft fees or insufficient funds fees illegally by Wells Fargo between XXXX and XXXX. I called Wells Fargo to discuss this and they said they could only review my account over the past 180 days. I asked if they could tell me what fees were charged in the past 7 years and they said I would need to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to Experian, XXXX, and XXXX. XXXX  made these reports and knew that their records were incorrect. XXXX  claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with Experian, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with Experian alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.

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 2023-06-13
Company: TRUIST FINANCIAL CORPORATION
State: NV
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:
In XXXX XXXX I contacted Truist Bank about unauthorized transactions to my checking account. I have filed a previous complaint about these fraudulent transactions in which Truist Bank responded by doing absolutely nothing. I mentioned charged were being done on my checking account in Georgia when I have never lived or used my account in Georgia including debit card transactions. Fraudulent checks were being deposited in Truist Bank ATMs in Georgia. The bank one day later sent me a notice stating the transactions were authorized by me and declined any assistance. I then filed a CFPB complaint asking for proof of their investigation. Under the FCRA ( Fair Credit Reporting Act ) when a consumer filed a complaint with a lender the consumer has the right to ask and and receive proof of the investigation. Truist Bank has refused to show me any documentation of any investigation that shows I authorized any fraudulent check deposits or debit card purchases to my checking account. Since Truist Bank proceeded to place a negative XXXX report on XX/XX/XXXX I am requesting proof of the investigation. Whether that means atm surveillance showing who accessed my account and deposited fraudulent checks, electronic activity showing they investigated the fraudulent debit card purchases. Truist states they have an identity theft claim/investigation that they opened in XXXX but I received no documentation of the identity theft investigation or the outcome of this investigation. I feel Truist Bank did not due to an investigation because I requested proof multiple times and received no documentation or proof of any investigation. Since Truist Bank can not produce any documentation showing I specifically authorized these fraudulent check deposits and debit card purchases I am requesting Truist Bank to remove the negative XXXX report completed on XXXX XXXX XXXX I am also requesting Truist Bank to remove the negative deposit activity and to absolve me from this due to identity theft.

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 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a perfect credit history. Good credit score. Excellent salary of XXXX XXXX annually. Capital One consistently denied me an increase and only has ever ONE TIME increased my limit after I submitted a CFPB complaint. XXXX and XXXX have never done this. I get immediate results as well. I feel they discriminate against women and minorities by this practice and charge me a higher interest rate as well with no basis for the higher rate and no basis for not increasing my limit. I've even offered evidence of salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MI
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:
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
While I had my Mortgage with Wells Fargo I was incorrectly charged fees.

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 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Idaho Housing And Finance Association
State: TX
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 have spoken to this company several times on both XX/XX/ and XXXX  to try and resolve incorrect information on their part reflected on credit reporting. On XXXX  I was transferred several times to several different people that fumbled over answers and put me on hold only to be told to log in to the portal online and read the information stated there. When I told the representative that I was reading what was online and that it did. not reflect a repayment plan previously made, I was informed again that I just needed to read what was online ( which was unhelpful, to say the least. ) On XX/XX/ I called this company yet again to revive PDF documents of these agreements so that I could handle the issue myself. I spoke to several different people over the day who said that they sent the documents. After giving two different emails and speaking to/being transferred to several different people over the course of a morning I FINALLY received one document. The other document has still not been sent to me. This company is clearly withholding information that will ultimately prove that they are incorrect on things which is unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A few weeks ago I noticed on a credit monitoring service that I had a balance due on my Citi credit card. The reported date was XX/XX/XXXX. I tried to access my account on XX/XX/XXXX and received a notification saying that the account was locked and I needed to contact technical support. I called the technical support line and the person on the other end stated that my account access would be restored in " 5 to 7 business days ''. 

I tried to access my account on XX/XX/XXXX and my account was still disabled. 

This evening, XX/XX/XXXX, I spoke with account manager " XXXX XXXX '' and she confirmed that my account had been closed on XX/XX/XXXX. When asked why I had not received any notification that my account was due to be closed, the account manager stated that sometimes the system closes accounts without any email notifications sent to the consumer. 

" A notification was posted to your account directly. '' The account that I could not access. 

Citi has my email account, I last received emails from them back in 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 2023-09-21
Company: Sentry Credit, Inc.
State: CA
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:
I am writing to file a formal complaint against Sentry Credit Inc for multiple violations of federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Telephone Consumer Protection Act ( TCPA ). These violations have occurred in the context of their attempts to contact me regarding an alleged debt without any documented contractual agreement between myself and Sentry Credit Inc.

Failure to Furnish a Contract under the FCRA : Sentry Credit Inc has not provided any contractual documentation directly between their company and myself, as the consumer, which is a direct violation of the FCRA. Under Section 609 ( a ) ( 1 ) of the FCRA, consumers have the right to request and receive information pertaining to the existence of any contract that binds them to a debt. Despite my repeated requests, Sentry Credit Inc has failed to furnish any such documentation.

Violation of the FCRA : Sentry Credit Inc has also failed to comply with the FCRA in their reporting practices. They have continued to report alleged debt information to consumer reporting agencies without providing the necessary validation of the debt, which is a clear violation of Section 623 of the FCRA. The inaccurate and unverified reporting has had a detrimental impact on my credit score and financial well-being.

TCPA Violations : Sentry Credit Inc has called my personal cell phone on two separate occasions, despite my number being registered on the Federal National Do Not Call List since XX/XX/2009. This action directly violates the TCPA, which protects consumers from unwanted calls made by third parties without obtaining prior express written consent. Sentry Credit Inc has failed to obtain any such consent before contacting me, demonstrating a blatant disregard for the law. 

Illegal Telemarketing Practices : In both instances, Sentry Credit Inc engaged in what can only be described as illegal telemarketing practices. These actions not only violate the TCPA but also show a complete lack of respect for consumer rights and privacy.

I have made several attempts to resolve these issues directly with Sentry Credit Inc, but their failure to respond or address these concerns has left me with no other option but to file this formal complaint with your agency. I kindly request that the Consumer Financial Protection Bureau investigates these violations thoroughly and takes appropriate action to ensure that Sentry Credit Inc is held accountable for their actions.

Please let me know if any additional information or documentation is required to support this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After receiving a solicitation for a CapitalOne Venture card I applied and was sent an Adverse Action letter advising me they couldn't approve of my application because : " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable. '' The back of the letter reports that the source is XXXX and that my XXXX XXXX range is a " low of XXXX to a high of XXXX '' and that " Amount owed on revolving accounts is too high ; length of time accounts have been established. '' This is simply not true and CapitalOne has refused to provide what information on the report has caused the adverse action. Here are the facts : XXXX score : XXXX ; Payment History 100 % ; Credit Card Use 5 % ; Derogatory Remarks XXXX ; Credit age XXXX Years ( oldest, XXXX years ( average ; Total Accounts XXXX ; Hard Inquires XXXX ( two of which are the result of the CapitalOne application ). 
In addition I do not carry a balance on my cards ( unless there is a 0 % offer ) and I have a Satisfactory mark on ALL my accounts. It is impossible to discuss this with XXXX ( since I don't know what to dispute_ as my credit report provides no indication of the remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to get select portfolio to modify my loan and they keep requesting the same information that I have already submitted electronically over and over again. I have spoken to different people via telephone conversation regarding this and no one seams to be able to help. I need some assistance with a modifications on my loan. I lost my job during covid and fell behind on my payments I have now started working and would like to continue making payments to keep my home. Select portfolio keep telling me every week when I call that they are getting ready to take legal action if I do not bring my account current. I am asking to put my past due at the end of my note and allow me to make payments to keep my home. I was told that they are not a mortgage bank and they can not do that..i need someone to assist me with this. It's difficult to deal with this company with all the miss information that the representative give. Seems like everytime I call i speak to someone new who don't know what they are doing.. Please help me with this company. 
I don't want to lose my home please. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I have had XXXX XXXX XXXX XXXX with XXXX XXXX XXXX for many years. In late XXXX, I was made aware that XXXX of the lines of credit in the amount of XXXX XXXXXXXX was maturing and that I needed to either renew it or close the account. The other line of $ XXXX was still in effect. I went to the local branch and spoke to the XXXX XXXX XXXXXXXX and was led to believe that a renewal was a simple administrative process and they would proceed on my behalf to merge both lines into a new line of XXXX XXXX. There was never any disclosure to me in terms of what the process would entail. This kicked off a process that seemed to evolve each week. On XX/XX/XXXX I received a form letter from the bank basically denying my request on the grounds that I was not credit worthy. This was quite a surprise to me as I had basically not been requested to provide any income verification or statement of assets including the value of my home. I responded to the XXXX XXXX XXXXXXXX on XX/XX/XXXX asking for the letter to be withdrawn on the basis of the flawed assumptions. At this point, I did not withdraw the application, but reduced the amount to $ XXXX to speed the process. After numerous other interactions with the bank, I went to the branch and asked to speak to the XXXX XXXX or a member of management. I was told that it was not their policy for customers to speak to Loan Officers. On XX/XX/XXXX I sent a letter to the XXXX  of XXXX asking to speak with someone in management that would help resolve the confusion and with the authority to clear the issues in my creditworthiness. On XX/XX/XXXX I received a form letter saying that XXXX had investigated and found no fault on their part and were closing their investigation. I will note here that I was never contacted as part of their investigation. It was at this point I withdrew my application for the XXXX  and began the process of closing all of my accounts with XXXX. I am filing this complaint now as it has taken me until now to get all of my accounts closed. I was concerned about possible blow back if I filed this complaint before then. As a result of this experience, my credit rating has been damaged. Customer service and sensitivity is sadly lacking and worse their actions create negative repercussions on their customers credit scores. This seems to be a clear XXXX  of disclosure and truth in lending laws.

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 2022-06-15
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:
I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX 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 an account without my written instructions

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