BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
wells Fargo illegally and without my authority or knowledge charged my checking account three times, at {$31.00} each time for a total of {$93.00}, for simply changing with my utility company where my monthly payments will be taken out.

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 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One has begun charging a {$39.00} " annual membership fee '' on my Platinum Credit Card. When I applied for the card, I specifically chose the Platinum card due to the lack of annual fee. On all promotional materials, the Platinum card is listed as having " {$0.00} annual fee '' and in terms and conditions on their website, the {$39.00} " annual membership fee '' is not disclosed. A yearly " membership fee '' IS an annual fee. This is unethical and misleading conduct and I am not the first customer to have experienced this confusion at being charged an annual fee. If Capital One is going to charge an annual membership fee, the {$39.00} should be listed as an annual fee in their Product Terms & Conditions immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received original call from XXXX, left a recorded voice mail. I returned call and Spoke with a Mrs. XXXX stating she was from XXXX XXXX XXXX, XXXX and that I owed a debt from XX/XX/XXXX in the amount of {$940.00} and that I had stopped making payments in XX/XX/XXXX sometime. She asked for personal identification information and then asked if I recalled why I stopped making payments in XX/XX/XXXXand I stated that I did not because that was 7 years ago. She then begin to yell, demand and threaten that since I did not recall any of this they would go ahead and turn it over to the court systems and that I should receive a notification of my court date. I had to yell over her to explain that I she needed to provide me with some written proof of this debt and that I would verify it and then get in touch with her or the company to make arrangements. After a few minutes of yelling back and forth, she calmed down and said that she would have to make a request for someone to send me a copy of the letter that was sent to my address ( which I lived at 10-12 years ago ) and demanding that I call her and only her back that same day as soon as I received the letter in the email. Once I received the letter, It had a different phone number than she called me from and than what she gave me to call her back on. The website address is also not valid, because the entire web page is in XXXX. The address provided on the letter head is also the address of a XXXX Store in XXXX Georgia, but she originally called me from a Mississippi local number. I have not returned her call or made any payment arrangements as I am afraid this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently borrowed {$800.00} for XXXX XXXX. I have already repaid {$1000.00} back to them! They say I still owe them {$2000.00}!! I cant believe this is legal? I would have never agreed to borrow {$800.00} for {$3000.00}!! I was in a financial situation, yes! However, I wouldnt have accepted this loan!! This is crazy!! What is 919.3012 % Annual Percentage Rate? This cant be legal? This company takes advantage of the disadvantage!! Under any terms, Its unfair!!

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 2023-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So my money from HSBC bank was taken by making a transaction with the card as they used scanning feature I reported this to my bank and nothing happened the bank didn't even saved it in the system like nothing happened they didnt had no records what so ever after 7 months i went to the bank to ask for some information about it and the manager came from the back and i was really scared that he will assault me he was acting towards very unprofessional and very bad well and after some days i only received a email that they will not refund me the money amount XXXX in XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
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:
Notwithstanding allegations of fraudulent charges regarding XXXX XXXX XXXX XXXX  account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.

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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was informed when I called last week XX/XX/23 that I had a non promotional balance of {$1800.00} that i was totally unaware of as it does not show on any stmt. Recently for the past year or more my purchases have been with a 6 month no interest promotional plan. I assumed that some of my payment would be applied to oldest balance first to avoid addl interest but i was told i need to call them each month to let them know to apply payment if i wanted it applied to non promotional balance. Since i was unaware of this balance i can not tell them to apply it. I presumed my previous charges before promotion charges were already paid off since nowhere on stmt does it show this balance. So I would be paying till doomsday & never have this balance paid, because it keeps on growing with more interest applied each month. The balance may have started at {$20.00}, & it has grown to {$1800.00}. I have no way of knowing. I believe this is an unfair practice

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 2022-03-13
Company: EQUIFAX, INC.
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:
I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX CXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX, XXXXHighest Balance {$1700.00} XXXX XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXXBalance XXXX XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: AR
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 submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX  XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading status

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 2018-11-02
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, Security Credit Services, via email and phone. I was referred by them to XXXX XXXX XXXX, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. XXXX was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. XXXX continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel XXXX to update their report to reflect loan status? 
Thank you 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 2020-06-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Navy Federal has been the company that services my mortgages. ( Now it is only one ) I suffered a XXXX XXXX XXXX that rendered me XXXX XXXX and required assistance to be able to make payments on my mortgage and credit cards. The credit card was settled after two months of being late for a lump sum as I explained and was willing to provide my medical history. The decision was to work out a lump sum settlement for the credit card that I had for many years. The creditor advised me that for the payment that I made it would be seen as a good gesture as they had all my financial information and knew of my hardship. The company said I would be able to open a secured card after 12 months and keeping up to date on my mortgage that the company did perform a restructuring of the loan. At the end of XXXX I spoke to a representative about getting a secured credit card and made a deposit of {$5000.00} so that I could re-establish a relationship with the bank. They advised me that a secured credit card would be approved based on the fact that it was with my own money that would provide the credit and there was no risk to the company. I had one month where I needed to delay the payment of the mortgage due to COVID and they told me that it would not negatively impact me. I have paid them back and now up to date as I only did it as my income was delayed and impacted due to the pandemic. Navy Federal misrepresented the fact that the card would be established by using that I had a previous negotiated settlement with them. This was contrary to what was explained as they advised me that Navy Federal provides their members a second chance. This was a frustrating call as they did find the notes that stated that I made a call before I made a {$5000.00} deposit for the secured credit card. My goal is to establish a card and relationship with Navy Federal for  the chance of having a mortgage with them if I were to move the future. I feel that the actions that they took were not only unethical but contrary to their promise to me. 
The company is unethical in their behavior and want them to follow through with their promise along with the truth about me to have a potential for a mortgage. ( I do not want to be told something that is not only wrong but against a policy that they have for any of the programs they offer )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-11-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My fiance lives in XXXX XXXX, XXXX and they are recovering from the recent typhoon. They are still having lots of rain, strong wind and no electricity for 8 days already. I have been using Moneygram to transfer funds to help she and her XXXX XXXX XXXX child. I was in the XXXX in XXXX of this year and returned to the United States on the XXXX of XXXX. Since then, I have transferred money using Moneygram around 17 times. The most recent transfer was XX/XX/2023, in the amount of {$130.00}. I am law abiding citizen, all of my transfers have been from my bank account, no credit card involved. On XX/XX/XXXX, I attempted to transfer {$200.00} to my Fiance and I was denied without a legitimate reason. I spoke on the telephone to a representative who called himself XXXX  He said that they were uncomfortable with the transaction. I believe MoneyGram is engaged in unfair business practices. Thank you for your attention to this matter.

MoneyGram CASE # XXXX According to XXXX, Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX did it, but XXXX  and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER XXXX  WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX XXXX AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX AUTO XX/XX/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 2021-10-22
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my accounts and needs to report the payment status positive and update all late from reporting on this account : XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation