BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Affirm Holdings, Inc
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX we purchased a couch and 2 chairs from XXXX XXXX using financing through Affirm ; the amount of the furniture totaled {$5100.00} ; we started making payments toward this debt starting on XX/XX/XXXX with the understanding that the furnishings would be delivered in XX/XX/XXXX. 

In XXXX we received a notification that the furniture would not be delivered until XX/XX/XXXX ; given that this delivery window remains well-outside the delivery window our order was premised on we canceled the order ; the vendor, XXXX XXXX, sent us a notice of cancellation with a promise of a full refund early this month ( XX/XX/XXXX ). 

Affirm has refused to work with us regarding processing the aforementioned refund and releasing us from our obligation to make payments on the furniture we are never going to receive ; they have insisted we keep making payments ; they also claim ignorance when we provide PROOF of the cancellation and refund notice by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 these accounts 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and 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
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Kohls numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following Credit Bural reporting agencies also I have collateral damages from this lowered my XXXX XXXX  my credit score of my XXXX score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit 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:
On XX/XX/2023 I went to the XXXX gas station in XXXX XXXX address XXXX XXXX federal highway XXXX XXXX FL XXXX. I inserted my credit card at the gas pump and filled my tank with gas. On XX/XX/2023 I see 3 unauthorized purchases on my credit card. XXXX for {$630.00} at XXXX XXXX, XXXX for {$24.00} and another for {$5.00} at XXXX XXXX 's XXXX XXXX The total of the unauthorized purchases is {$660.00}. I reported the unauthorized charges to my bank ( wells fargo ) immediately on XX/XX/2023. They told me they would take care of it. After finishing their investigation they said that no fraud was committed. I called them back to reopen the case and I was told to fill out a police report to help with my case. 
I provided a sworn affidavit stating that I did not authorize these transactions. I provided a letter from my employer proving that I was at work at the time of the transactions and I provided my XXXX maps location for XX/XX/2023 to prove that i was not in the areas of the transactions. The bank did not consider the evidence that i provided and insists that since the chip was used that the transactions were made by me. Even though i have proof that i wasn't at the locations and my credit history shows that i have never done business at these restaurants.I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and told them about the unauthorized purchase at their restaurant and also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They told me they couldn't help me and that I had to take it up with my bank. I reached out to the XXXX XXXX police department and XXXX XXXX police department to conduct investigations of the fraud. Wells Fargo wants to hold me responsible for unauthorized transactions and does not care about the evidence that I provided.

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 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2022-12-29
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:
On XX/XX/2022, I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts information : 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 2019-07-26
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Company CCS has contacted me multiple times a day after I spoke with two different representatives and requested them to stop calling. The number they are calling from XXXX. They have contacted me on XXXX and XXXX and both have been requested to be added to their do not call listing. I got a call this morning XX/XX/2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion LLC, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX  & TransUnion to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-04-16
Company: Experian Information Solutions 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:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
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: Account status incorrect

Complaint:
I have a credit card with XXXX/XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022, I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In your response to complaint XXXX, this is what you wrote : Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. 

In your response, you clearly lied since I proved from an attached pfd ( which I am attaching again - pdf page.pdf ) that you had received the adjusters estimate for the wind portion on XX/XX/XXXX not as you claim on XX/XX/XXXX as quoted in the previous paragraph. 

On complaint XXXX you then claim you did receive the wind adjusters worksheet. In fact you write : The wind adjusters worksheet received on XX/XX/XXXX, was rejected due to no signed insurance letter received. Again, you clearly lied in complaint XXXX. 

Now this raises more questions that I want an answer to : 1. You state was rejected due to no signed insurance letter received. When was this relayed to me and how? I have proof of when this was relayed to me so may I suggest you do not lie again?

2. Where in the mortgage note does it state the following : i. you have a right to inspection other than for a foreclosure proceeding ; ii. You have a right to take MY insurance funds in case of natural disasters ( keep in mind the LTV on the loan you are servic
ing is less than 15 % so I do not want lip service protect investors ... the land after demo costs will cover 5 times the remaining principal balance ) iii. You have an obligation to verify that the property is liveable ( I have a letter from your firm stating that is your responsibility. 

I am disgusted by your unethical behavior. You and XXXX XXXX do not care about consumers during natural disasters. You only want to make money and cut employees and let computers do the work. This hurts consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2022-10-26
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-01-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened an " online '' checking account with Wells Fargo ( WFB ) on XX/XX/2021. Received a confirming email that " Your Account is Open ''. 

Began making deposits/withdrawals, and did so until XXXX XXXX, XXXX when I received a letter from WFB stating the account would be closed unless I drove a minimum of 40 miles to PHYSICALLY SIGN some papers in an unknown branch. 

WFB either lied or deliberately misstated its claim to be an online banking institution when it is forcing its new customers to drive to a brick & mortar location to physically complete was was advertised as an 'online ' banking service. 

Also, I supplied in writing, TWICE, the requested information via regular mail to WFB, which apparently was ignored. 

THEY LIE TO POTENTIAL CUSTOMERS IN ORDER TO USE THE MINIMUM DEPOSITS CUSTOMERS MAKE FOR A FEW WEEKS FOR FREE, in addition to costing unsuspecting individuals costs for check printing, rearranging their financial pictures, etc.

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 2018-09-10
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my key bank statement inXX/XX/XXXX, i was billed a past due amount of XXXX. i called the bank asked what it was.They stated after searching for a long period of time it must be a legal fee from years past. they were unsure what it was.I paid the XXXX the bank received the money on XX/XX/XXXX.the bank stated they would take it off and mark as paid. 
i received my may statement the same past due amount of XXXX was on my statement.i called spoke to a manager they stated it would be taken care of. 
I received my XXXX statement the same XXXX was still showing as a past due amount.i called and was promised it was taken care of. 
i received my XXXX statement the same past due amount of XXXX was there this time there was a XXXX for fees and charges. i called bank yet again could not really explain the XXXX dollars some type of monitoring charge i should not have been charged promised yet again that the XXXX and the XXXX would be taken care of. 
i received my XXXX statement it showed that i have a past unpaid amount of XXXX this time when i called i asked for for an audit of my account dating back to XXXX XXXX   of XX/XX/XXXX.i did not see the unpaid amounts on the audit they sent me this has gone on for five months with me calling every month.i have have numerous of other issues with key bank on this mortgage this is just the latest. 
this past XX/XX/XXXX i sent in payment from a different account the bank stated they could not read the account number so did not apply it to my mortgage making that month payment over due.

Company response to consumer: Closed with explanation