BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I purchased a Western Union Financial Services Money order from XXXX, their agent, on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX last year. I never used it or fllled it out. This XXXX I wrote my name in the pay to line, endorsed it on the back, and deposited it to my bank, XXXX. Western Union charged back the entire amount, {$420.00}, without explanation. I subsequently contacted Western Union and sent them copies of both sides of the money order they returned to my bank, with the debit to my account, and my purchase receipt. They claimed the M.O. was expired because it was over a year old. THERE IS NO STATEMENT ON THE M.O. THAT IT IS ONLY VALID FOR ONE YEAR. Instead the terms on the back say if not cashed in one year, they will start charging {$1.00} per month. 
So far, Western Union insists I either have to pay them {$30.00} to " trace '' the M.O, which I have no need to do ( and get a notarized statement ) or apply for a " refund '' for my money which they have, for a {$15.00} fee. THIS M.O. WAS NOT LOST OR STOLEN. I DO NOT NEED A REFUND! They need to credit my bank account for the illegal and illicit chargeback. 
attached is a pdf with one of my letters to them, including copies of the money order, receipt, and my bank record, which they received from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was fraudulently used to make gas station and XXXX  purchases. The amounted total was ~ {$2000.00}. I did not notice the charges until two months later and then reported it to my bank. Upon reporting it, the bank launched an investigation where they determined the card was used with a PIN number and therefore deemed the expenditure valid. I however did not have the card in my possession and did not make these purchases. Additionally, the purchases were extremely suspicious often large purchases from multiple gas stations on the same day and in cities I do not frequent. I did not make these purchases and do not feel there was proper due diligence from my banking institution.

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 2015-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file two new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management at XXXX XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all three credit bureaus, and also to the apartment complex XXXX XXXX. Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Experian on my behalf and further investigate this matter. Thank you very much, and I look forward to your prompt attention to this matter. The letter from XXXX that states they have deleted this remark is also attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank advertisement opening an account and making direct deposits would qualify for a {$300.00} dollar bonus. 

I opened the account in XX/XX/1923. I made the required deposits. I contacted the bank two times about the credit. Both times they told me they would look into it and get back to me. I still havent received a reply.

That is the reason for my complaint. False advertising scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BlueChip Financial
State: SD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with spotloan in XXXX if XXXX I made all payments on time except for the payment on XX/XX/XXXX never received notification from them that payment was missed now they want to charge an extra {$880.00} for a missed payment of only {$150.00} they are charging interest per day that the payment was late this was never disclosed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt is from XXXX XXXX XXXX in the amount of {$3800.00} the account went into default and transferred to debt collections company ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX. 

XXXX XXXX reported the collections account from XX/XX/XXXX, XXXX XX/XX/XXXX. They received no contact or payment from me during that time. 
The collections then fell off of my report as of XX/XX/XXXX. 

Apparently the debt was sold sometime around XX/XX/XXXX to : DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, They have not received any payment or contact from me. 

The company : DEBT RECOVERY SOLUTIONS has now began harassing me and trying to collect this old debt. They have reported to both XXXX and XXXX that the collections account is a new account and origination date was XX/XX/XXXX. This information is incorrect and they are still trying to collect a debt that has reached its statue of limitations for California and are re-aging my account. I have reached out to XXXX and have not yet to have the account updated with correct information or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 i received an ACH deposit into my checking account of {$29000.00} at Capital one bank which was funding from a PPP forgiven loan approved and funded by XXXX XXXX XXXX and also from the Small Business Administration ( SBA ). On XX/XX/2021 i received the 2nd PPP loan funding of {$40000.00} with an ach deposit from XXXX XXXX XXXX again. After i received those two loans there are rules as how to use those funds in order to be forgiven. Using them for payroll was the main rule so as a sole proprietor i paid myself by transferring those funds to my savings account, I then applied for the forgiveness of both of those loans from SBA Which i got approved for both loans. Immediately after that and months after i received those funds into my capital one checking account, capital one decided to freeze my savings account that i transferred those funds into, claiming that SBA AND IRS requested an investigation and requested my tax returns WHICH IS A TOTAL LIE BECAUSE I CONTACTED IRS AND SBA AND THEY ARE DENYING SUCH THING. Despite that i provided my taxes to capital one as they requested and in addition i provided the notes i signed with XXXX for the loans. But capital One its being continuously lying to me which i have recorded conversations proving that, holding my funds frozen, and only capital one having access to them for their own utilization and profit. Its been months now this is being going on. I requested to send those transactions back to the sender if they cant accept them but instead they want to keep holding them which makes me wonder why wouldnt capital one want to Return those funds to the sender? After plenty of visits to capital one branches and daily phone calls capital One requested an indemnity agreement from the sender in order to send them back which is another red flag. I then contacted the sender ( XXXX XXXX XXXX  ) and explained to them whats going on, they did sent the indemnity agreement to Capital One but still capital one keeps finding excuses so they can hold those funds as long as possible for their own profit causing me severe financial heartaches. Capital ones unethical and illegal actions defeat the purpose of the PPP program SBA created in order to help small businesses survive this pandemic tragedy and employees keep their jobs. My complain is THAT CAPITAL ONE HASNT RETURNED THOSE FUNDS TO THE SENDER DESPITE RECEIVING ALL DOCUMENTS THEY REQUESTED BUT INSTEAD THEY ARE KEEPING THOSE FROZEN. ALSO CAPITAL ONE IS CONTINUING HOLDING THOSE FUNDS FOR MONTHS BASED ON LIES. Also i would like to Know if there is a time limitation that Capital is obligated to return the funds from an ACH deposit? 
Capital One is being acting shady, unethical and vey possibly illegal towards a big number of PPP RECIPENTS stealing their money basically and needs to be exposed and stopped. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, XXXX XXXX XXXX put it back on my credit report. They are trying to collect a debt from Capital One that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and XXXX XXXX XXXX are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of XXXX XXXX XXXX C.E.O. As a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth.

Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from Capital One. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If Capital One approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had completely paid off a charge off account at XXXX  XXXX XXXX on XX/XX/2021 XXXX  XXXX reported to ChexSystems to remove the negative charge still

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 2015-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the 15 U.S.C. section 6801 code the DEPT OF ED/ NELNET XXXX XXXX XXXX XXXX, XXXX XXXX have violated my rights. At no time did I give them rights to share my information with any third party company. Nor was I offered the opportunity to allow such. There are 8 accounts open dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are being shared unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #

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 2020-12-20
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: AR
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:
My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 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 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As you know we are finally being relesed from a 2 and a half year pandemic. A lot of life changing things have happned in that time frame. I am aware information getting mixed up transfered to the wrong hands etc. Honestly I am not here to point any fingers or provide a XXXX story. I do want to point out some facts as proof to why this capital one account is not mine and why it shall be delted from my credit report. when i look at my credit report i see a credit limit for {$1000.00} but balance of {$1400.00}. I knwo im not the smartest but my cards that i have opened do not go over {$400.00}. if i knew i could get that high of a limit starting out i would have signed up. the only card on my report that is really high is an authorised user my father put me as on his card. so honestly that raises a red flag for me. i am a hard working mother providing a lifestyle for my family so i do not have time time to fall back especially when it come to credit cards. it gave me a XXXX when i seen the item on my report truth be told. let alone the amount this card had on it. i would never allow a high balance card to close or any card for that matter. when it come to finances i work diligently to be responsible. another thing is the accoutn was opened in XX/XX/2018. I was a mother with a XXXX XXXX XXXX so there is no way i would have been in anyones bank with my XXXX  or honestly even have the time to thing about credit. so that definitely raised another red flag for me. now during the time of my XXXX i had a couple as roomates we did not know eachother very well but we had an ok relationship. anything is possible so it could be possible my personal information was looked at. i do not know it to be a fact but i am just saying because we did have a weird falling out and the couple left in a hurry. In all reality i do not want to prolong this situation because i want to start the process of buying my house. the lender i am connected with has already expressed the better my profile is the lower my interest rate and higher amount potentially approved for. So you see if the item was truthfully mine i would have arranged to pay it. i have integrity and i am very ethical. especially when it come to my finances or even other peoples money. i know money is veery signifcant an we have to tke care of it. I really hope someone sees my letter and assits me in getting this false item delted. i tried to make syre this doent sound like a XXXX story but more of fscts and straight to the point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
DIscover revoked my account though my payments were on time. They said they saw something on my credit report and decided to close my account. In addition to revoking the account which they agreed had an outstanding payment history, they reduced my credit limit on my credit reports to the balance owed. This lowers my credit limit to debt ratio which further hurt my credit.

Company response to consumer: Closed with explanation