BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to the better business bureaus and my state atttorney general office.

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 2023-05-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a bill for {$13000.00} from Wells Fargo due XX/XX/2023. On XX/XX/2023 I submited to XXXX XXXX bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 Wells Fargo cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with Wells Fargo they state they cash checks on the day they receive them so they are not responsible. 

In talking with XXXX XXXX they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. XXXX XXXX states they are not responsible because they mailed the check in plenty of time to get to Wells Fargo. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. 

I requested from XXXX to pay Wells Fargo in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did Wells Fargo misplace the check and cash it late or did XXXX send the check 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 monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an extended fraud alert on my XXXX and equifax credit reports that are preventing the proper information to be processed on my credit. I have contacted both bureaus to address this issue with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a valid lease on a property in Foreclosure. I contacted Wells Fargo and notified them several times that the property was not Vacant. They sold the property and Never gave me time to find housing or get my personal property. I am now homeless.

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 2021-06-29
Company: Experian Information Solutions Inc.
State: TN
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:
After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue. 

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well. 

Please find my updated contact information, and update it inside the personal statement ( s ), and such! 

Best Regards, 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 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Had an account with Bank of America in XXXX XXXX New Jersey I am also a resident here I lost my wallet in the Casino and shortly afterwards my account was in the negative I filed a police report and asked if Bank of America can see if it was fraudulent. They confirmed that it was however the debt is still on my credit and attached to my social I would like for this to be removed from my social and my name

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Wells Fargo was the worst financial institution I ever encountered in my life. For many years I made payments to my loan of XXXX, which I acquired in XXXX, and often only had {$15.00} of principle applied. I could not get any explanation from the bank and could not find out how my principle was being applied. It did not appear to follow a normal amortization table. This kept happening until XXXX when I got a HELOC and paid of the loan balance of {$31000.00}. From XXXX till XXXX I paid {$8100.00} in principle and {$48000.00} in interest. I never received any information from the bank explaining what had happened. I was always getting the run around when trying to contact them.

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 2019-09-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Starting XX/XX/XXXX, I signed on for a 72-month used car loan with Santander consumer USA. The original principal amount was around {$13000.00}. As of XXXX, with a monthly payment of {$310.00} I have paid just under {$23000.00}. So far Santander has made around 66 % interest on the original amount financed. The problem is that they will not release my title because they say I still owe {$9400.00} approximately! I am appalled and I feel cheated and I feel like this is a crime! I've called them several times to get this resolved and explain that if I paid this amount they will have me 135 % profit from the auto loan. They refused to lower the amount only saying that I didn't understand how simple interest works. Unfair credit practice? And to add insult to injury, my car was repossessed on XX/XX/XXXX while I was 70 miles away from home. Now I have no way to get to work either!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I signed up for Citi Gold membership with my existing Citi Savings account. The dedicated Citi Relationship Manager XXXX XXXX XXXX told me over the phone that I will receive email with a link to register for the {$200.00} Citigold Subscription Rebate program within two weeks. 

However, it has been way more than two weeks, but I still have NOT received the email link from Citibank for the {$200.00} Citigold Subscription Rebate program yet. 

I am so frustrated with the poor service by Citibank, which has delayed my {$200.00} subscription rebate for the year of 2023. 

I request Citibank to honor the {$200.00} subscription rebate benefit for Citigold members and post {$200.00} credit to my Citibank account immediately without any further delay.

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 2021-06-28
Company: Experian Information Solutions Inc.
State: NJ
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 tried calling but either disconnected while waiting or other issues. 

Experian : I am requesting the 'parameters ' used to determine their XXXX XXXX XXXX determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX XXXX I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, 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 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2020, my debit card was stolen and I reported to Bank of America immediately after. I was informed by Bank of America that I had given the pin number to my debit card to someone, but this is false. I have never given my pin number to a friend, family member, stranger, etc. I asked to speak to the supervisor and to the general manager of the Bank of America branch where I conduct my banking and these requests were refused. Due to the theft I experienced, approximately {$12000.00} was stolen from my checking account. Bank of America refuses to reimburse me for the {$12000.00} that was stolen. I called the police as instructed by Bank of America and I provided the NCC number and these efforts were not successful as well. 

Due to the deplorable actions of Bank of America, I fell behind in my rent and was no longer able to afford my car. 

All supporting documents will be provided as requested. Many thanks for your assistance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
It's has been applications that has been opened in my name with XXXX XXXX and third party banks that's under XXXX XXXX ... plus unemployment benefit cards that was used under my name that I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Dear XXXX, I am writing to dispute the reporting of child support account # OAG ID XXXX on my credit report. I am XXXX XXXX, and I have reviewed my credit report and found that the reporting of this account is inaccurate and is negatively impacting my creditworthiness. 

I understand the importance of paying child support and fulfilling my obligations as a parent. However, I have fulfilled my obligations in a timely and responsible manner. I have never been delinquent on any child support payments, and there is no reason for this account to be reported as negative. 

The inaccurate reporting of this account is affecting my ability to obtain a home. I have applied for a mortgage, and my application was denied due to the negative reporting of this account. I am concerned that this inaccurate reporting will continue to impact my ability to obtain credit and loans in the future. 

Therefore, I request that you remove child support account # OAG ID XXXX from my credit report. I have attached documentation that supports my claim of accuracy, and I kindly ask that you review this information and take appropriate action to remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

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 2021-06-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To whom it may concern, The bank has been using horrible accounting practices in an effort to extract overdraft fees from our accounts for awhile. I have complained many times about these same issues through your agency and to the bank many times. This is a game that Chase is playing intentionally to extract fees from people. Lets start with a transaction at jewel on XX/XX/2021 where chase charged two overdraft fees for the same transaction. 

The we move to their next practice which is to back date a transaction which is what they did with a automatic withdrawal XXXX which that backdated to the XX/XX/2021 when the actual withdrawal to give the impression that the transaction occurred during the low funds period. This is a practice the employ often, that being changing the dates of original transactions for the purpose of extracting fees. This action resulted in XXXX dollars in fees being charged that they were not entitled to, Chase has also employed another tactic that's completely insane and refuses to stop. 

This practice is one where they literally change times of bank operation procedure in and effort to extract more fees. Here 's how it goes I live in the Central standard time zone, when I opened my accounts they were based on the central standard time zone. Without warning they changed my hours of service to a time based on the eastern standard time zone. Which I was charged overdraft fees because it went from XXXX being next day to XXXX. After arguing with the bank about this we simply started basing on the eastern standard time zone even though I can't access my bank on that time period. 

When they realized they couldn't extract any more fees that way they then moved the time zone to an hour earlier than the eastern standard time zone somewhere out in the Atlantic Ocean. When we complained about this they would only replace the money some of the time and then other times they would stated they changed for us before and can't do it again. Chase is using clearly illegal tactics to steal money from peoples accounts. Please assist me with these problems, thank you very much. Any further documentation can be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: MO
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:
Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all 3 bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX I called equifax to have a credit report freeze removed. After waiting 1.5 hrs I was connected with a representative and asked to upload my license and SS Card. There was an issue on thier end that would not take the upload. I was told to send a fax with the information which I promptly did. I was told it would be 3-5 days to have the credit freeze removed however it has never been removed. 

Today I received a code via mail to signup for myequifax to remove the freeze myself however I get an error that says " We are temporarily unable to complete this request. '' I can get no help from equifax to fix this issue. I'm attempting to refinance my house and can not without the freeze removed. Can equifax just keep putting me off and not fix this? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One credit card number XXXX on XXXX and XXXX I made two separate on line payments of {$3000.00} payment from my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital one chose to credit only one payment several attempt ware made claiming credit for the payment made each time Capital One indicated that they will revie and credit will be posted in next billing cycle, but that never happen. Meanwhile I continue making payment for interest since that date. 
I hope as resolution to give me the credit for the XXXX that they have in there bank account and did posted plus the interest that I pay Evidence presented : 1 ) copy of bank account 2 ) copy of bank confirmation that the payment was made to Capital One in two different dates 3 ) letter from bank officer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander Auto is continuing to report a repossession from 2019 on my credit report that shouldve been included in the class action lawsuit. I am a resident of Georgia and my state was included in the class action lawsuit. This Tradeline they are continuing to report is illegal and I would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2021-06-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following elements appeared in my credit report aren't mine, please remove them all from the 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation