BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: PA
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 multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

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 2023-04-23
Company: EQUIFAX, INC.
State: WA
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 XXXX  account # XXXX & XXXX has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted an application to Selene Finance for loss mitigation. They sent an agreement for me to sign and in that agreement they stated that I had a right to a copy of the property valuation they perform to determine my eligibility for a short sale. They claim the current purchase offer on the home is too low based on their valuation. The bank has been working directly with my real estate agent. Now they are refusing to release the valuation report to my real estate agent, although there is an active 3rd party approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: VW Credit
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: Account status incorrect

Complaint:
XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX  XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi i logged into my credit report as of XX/XX/2022 and I noticed two capital one credit cards that were opened in my name and I have no idea who could have done this or did it. These are not my accounts even though it states my name. I never had a credit card before and do not need one. I see theres positive activity on the account which is akward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: LA
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:
I sent a certified letter out on XX/XX/2022, XX/XX/2022 to Experian, XXXX, and XXXX. Here is my tracking numberXXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Regions Bank has repeatedly charged overdraft fees for charges that are pending and have not been drafted from my account. I am attaching a screenshot of my account. I had a balance in my account and several pending charges that had not cleared my account yet. An overdraft charge was charged to my account which resulted in a negative balance. The money is there for the pending charges, so I was charged an overdraft fee for charges that could possibly result in an overdraft but have not cleared the account or been charged to the account yet. I don't feel overdraft fees should be charged until pending items have actually cleared or posted to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was discriminated against at M & T bank, the manager denied me of withdrawing my funds for no apparent reasons. He told me he won't pay me this is above his pay grade. He froze my account and blocked my debit card. I told him the wire came from my other account and I can show him all the details along with my online account. He said he doesn't want to see anything and he threatened to call the cops on me.

At this point I have things to do financially, everything is on hold for me. I have called the call center and various M & T branches to have it resolve, no one seems to help. I also left numerous messages for him to call him, up to now no call back.

The manager name is XXXX. I have also attached my verification letter from my other bank account where the funds were original wired from. 

address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00}

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 2022-03-02
Company: Genesis FS Card Services, Inc.
State: CT
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:
There appears to yet another block on account ending in XXXX with Genesis FS Card Services, due to returned payment in the amount of {$50.00} made on XX/XX/24, payments made via bill pay thereafter have cleared, this one returned payment should not be an issue. However, it appears it is as well as a new card which was issued and not received.. The current card I have ending in XXXX does not match up with what is shown on account web-site, which is XXXX. I attempted to clarify new card ordered, was unable to do so as well as resolve block on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Diaz & Associates, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DIAZ & ASSOCIATES , INC. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
We have a car loan with Capital One Auto Finance. 
I requested and received an approved payment deferral for this loan due to a COVID-related job loss. 
After receiving this approved deferment, the company listed a late payment on my credit report. 
After submitting a letter to the company, they responded that their actions were accurate and no further action was necessary. 
My credit rating has dropped over XXXX points in XXXX months due to, in part, the actions of this company. 
I would like to find an acceptable resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: CO
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:
Wells Fargo is violating regulation-E and attempting to hold me liable for fraud. I reported it in XXXX when it occurred and assume the bank did their job, but due to gross negligence the fraud report was not filed correctly. While doing my taxes I noticed that it had not been resolved and refiled again in XXXX. However, it was done wrong again and again and again. It finally escalated to the executive office where they have been arguing with the fraud team as they are trying to hold me liable for fraud. Their XXXX excuse is that I continued to pay my credit card bills, which of course I did as I thought that Wells Fargo has handled the fraud. Sadly this seems like its yet another instance of Wells Fargo being dishonest and unprofessional while violating federal regulations. 

There are charges for a dentist, lawyer, and handful of other things that are not me and in excess of {$10000.00}. I have not seen a dentist in the US other than my dentist in XXXX, that has been my dentist my whole life. Wells Fargo has a very long tradition of dishonest business practice, hence why they have had so much legal trouble.

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 2022-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX Equifax are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
I have been paying my mortgage through XXXX XXXX for XXXX years. Last month, XXXX XXXX sold the loan to Mr. Cooper. Mr Cooper, without any explanation, Mr Coop adjusted my escrow, stating that I owe an additional {$4200.00}, which would increase my monthly amount by {$300.00}. I tried to contact Mr. Cooper through their XXXX number, but no one answered. I checked payments to my insurance company, and tax assessment ( which went down ), and no changes were as significant as Mr. Cooper 's claims. 

I need Mr. Cooper, in writing, to give a detailed explanation of their increase and how they came to their conclusion. I also need to explain why their analysis differs significantly from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency reported information on my report, and a debt is not mine. I called to resolve the issue however, the debt collector stated that it doesnt matter the debt needs to still be paid regardless. I am not willing to pay debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I made a payment to my apartments for my rent via the same link I always use every month to submit this payment. I noticed that my rent balance never updated to show the payment that I made in the amount of {$1000.00}. I reached out to my apartments immediately the next day to see if they could locate the payment. They were not able to locate the payment, I then proceeded to reach out to cash app to dispute the transaction for a refund of my money because the apartments said that they did not receive my payment. Cash app denied my dispute. 

On XX/XX/XXXX a monthly later I reached back out to my apartments to see if the payment has shown up in the system/located. The apartment still said they still dont have the payment and advised me to reach out to corporate. I reached out to corporate provided proof of the payment coming out of my account and on XXXX corporate replied after research and stated they didnt have any luck locating my payment. 

At this point it brings me to feel and believe that cashapp took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several unauthorized credit inquiries on on credit report through Transunion that I did not authorize nor have knowledge of requesting with my approval. I have attached documentation of all inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text from wells fargo asking if i had made a charge to XXXX respond YES, NO, STOP to opt out. the normal text. i responded no because i hadnt made any purchases recently. 
I then was called by XXXX ( i doinke checked that it was the same # on the back of my card ) and told XXXX had tried to been wired out of my account. it was all very confusing, and id never wired money before or had this happen before. 

the man asked me if i knew XXXX something, the alleged person who made the wire. i said no and he told me he was going to help me undo the wire. he then proceeded to take me through transferring XXXX out of my account into his or someone elses. never XXXX wired money before i still thought this was super weird so i stopped him and told him it wasnt right- he assured me he was real wells fargo and to check the # on my debit card and that the money would come back but the bank had to see it from me first? 

long story short he wasnt wells fargo and i loat XXXX which is almost my entire life savings. im XXXX and chronically ill- just wrapped up my XXXX XXXX in 10 years and use all my momey for medical bills. i will not survive without this money back and my bank is made minimal effort to retrieve it and said there was nothign they could do.

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 2022-03-02
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: Investigation took more than 30 days

Complaint:
TransUnion, XXXX XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I missed a payment on my XXXX Credit Card. The payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX so just three days late. The APR went from 16.99 % to 29.99 % on my XX/XX/XXXX statement. On XX/XX/XXXX I noticed that the APR had been raised. I was in an intense training program over the summer of XXXX so that is why I missed the payment and then did not notice the rate hike right away. On XX/XX/XXXX I contacted a XXXX via online chat who put in a waiver to get the rate lowered which was approved. My concern is that according to the Credit Card Act of XX/XX/XXXX I must be at least 60 days late in order for Citi to put the penalty rate into effect. According to XXXX after missing the payment due date the penalty rate can be put into effect and I can be charged up to {$37.00} for a late fee. Again the Credit Card Act of XX/XX/XXXX limits this to {$27.00} which is all that I was charged. I feel that since I was not 60 days late the penalty rate should not have been put into effect so Citi over charged me interest from XX/XX/XXXX until XX/XX/XXXX and that interest should be refunded. I have printed off all the statements supporting all of this but am not attaching them as they contain personal information and the website says not to attach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Prestige Financial is set up on auto draft. Every month on the XXXX, they debit {$440.00} from my account. On Friday ( XX/XX/XXXX ) they attempted to take the regular payment, but there were no funds available. They sent me a text on XX/XX/XXXX at XXXX XXXX  CST telling me the payment did not go through. I texted them back on yesterday morning, XX/XX/XXXX saying thanks for letting me know and I will make the payment on Friday ( XX/XX/XXXX ). No response from Prestige. Today, XX/XX/XXXX, they tried to run the payment again and it did not go through, as I knew it wouldn't. This is why I specifically said Friday in my text back to them. Their attempt to charge this amount again resulted in 2 overdraft fees on my account. 1 for Prestige ( {$30.00} ) and 1 for XXXX ( {$40.00} ) because of a {$10.00} charge that couldn't clear because of the overdraft from Prestige. 

I asked if I could pay them the monthly {$440.00} minus the {$30.00} ( although I should have asked for {$70.00} for both fees ) and was told that the person can't authorize that. I was also told that the draft is automatic and once it returns it automatically resubmits. I then asked for the terms of that in writing. I was told ( via text ) that they don't have any official documentation that they can send me regarding that. 

This is illegal and I would like to have all my fees refunded to me promptly.

Company response to consumer: Closed with monetary relief