BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is by far the worst bank I have ever had the displeasure of dealing with. Everything from the " customer service '' to their disputes process is lacking. 
I filed a fraud dispute with Frost Bank on XX/XX/23 from the total amount of {$920.00} and credit for that dispute was given on XX/XX/23. It's now XX/XX/23 and I noticed the credit was reversed and contacted frost were I have spoken to a tolls of six different representatives and each is giving me different contradictory explanations with no real reason, even the account manager XXXX was absolutely no help what so ever. I am now out of nearly XXXX dollars due to the incompetence of this bank. 
To make matters worse, the customer service rep told me I should work with the merchants on getting the funds back from them, mind you these are unauthorized charges NOT made by me so how in the world am I supposed to go about that when I have no information on the details of these transactions. 
I was a victim of fraud and frost is treating me like a criminal. They are refusing to work with me throughout this process dispute telling me previously that I can send in additional information to assist in reconsidering my case. I filed a police report and offered documentation as proof that my money has been compromised but Ive only been met with rude and dismissive attitude from this bank. How can you threaten to close a customers account because you are incapable of doing your part in protecting their money especially while charges are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Ive spoken to Santander many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. Santander was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a response to my XX/XX/2021 debt validation request. In their response was a summary of services rendered including XXXX XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX Services '' " XXXX  Function '' " Laboratory-Chemistry, XXXX, XXXX and XXXX ''. I believe that accessing these procedures violates my rights under the HIPAA LAWS as it indicates nature of treatment ( XXXX, XXXX XXXX XXXX and procedures performed ( specifically stating XXXX instead of just stating radiology ). I did not given written or verbal consent for the collection agency to access such specific medically identifying information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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  {$0.00}

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 2023-09-27
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk from there file. i sent the same letter to Experian and XXXX. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the XXXX from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX, they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with experian and XXXX. i received a letter from XXXX XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called XXXX in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood

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 2021-12-18
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC {$4300.00} Fraudulent charge the account is not and has never been an account of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: WELLS FARGO & COMPANY
State: CT
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:
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-12-18
Company: SYNCHRONY FINANCIAL
State: GA
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've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check on this matter.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: AL
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:
I'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. 
Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.

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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife and I share a joint checking account. My wife 's XXXX  XXXX debit card was charged for three fraudulent charges on XX/XX/XXXX, all of which hit our account while my wife 's debit card was not in her possession ( she realized she did not have the card when alerted of the charges and all purchases made on the same card within minutes of each other ). One charge was for {$45.00} from XXXX XXXX, XXXX was for {$17.00} from XXXX, and one was for {$210.00} from XXXX. XXXX XXXX emailed and texted my wife about the XXXX charge, and they promptly cancelled her card. This occurred after midnight. Because the bank was closed at this time, she called the bank the next day concerning the XXXX XXXX and XXXX charges. They gave her provisional credit and she submitted a claim. Weeks later, they denied her claim because " the card purchase was authorized with a chip ''. My wife and I have never visited the XXXX XXXX and XXXX that the card purchases took place at. In addition, XXXX XXXX failed to inform my wife of the two of the three fraudulent charges that all took place on the same date. They have not kept our money and account secure and are refusing to take responsibility for their lack of security. You'll see in the attached photos that all of the purchases were made around the same time and on the same card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant. 
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this. 
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once. 
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints. 
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription. 
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner? 
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!

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 2021-12-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD bank closed my account without notifying me. I believed there are money in my account but I can't access to my account information. I went to a local branch last week to get help but the staff said they don't have my account info as well because it's already been closed so he gave me a customer service number to call but the one I talked told me she couldn't help because no information is showed so she gave me another number to call but it's all the same, nothing showed up on my account! I'm so frustrated that I can't get any information on my bank account. From the record I have the last time I used my bank for an online payment was last year in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$1500.00} via XXXX transaction to a contractor that promised to purchase building permits to correct building code violations at my building located at : XXXX XXXX XXXX XXXX, XXXX IL XXXX. 
He told me that the total job will cost {$6000.00} and I will need to pay {$1500.00} for him to start the job. 
The contractor did not purchase any permits, took my money and disappeared without giving me any service. 

He said that his name is XXXX. His phone number is ( XXXX ) XXXX His name on XXXX account was XXXX XXXX XXXX XXXX XXXX 

I contact the Fraud department at US bank to cancel the transaction and give me back my payment, but my claim has been denied ( attached letter ) Please let me know if there is any way to get my money back. 

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 2023-01-03
Company: Experian Information Solutions Inc.
State: MS
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 company has failed to comply with the Fair Debt Collection Practices Act. I have repeatedly disputed this debt. I have requested copies of the contract, payment history, and all financial statements related to this debt but XXXX has ignored these requests and so has Experian credit reporting agency. I sent a certified/notarized letter and they were received according to the tracking from the certified mail. Experian has lied about not receiving letters that I have proof that they received sooner than they claim to have received them. They have delayed and updated a fraudulent account. This was deleted by XXXX but Experian states they dont have to require documentation from the creditor. I repeatedly asked how they can verify this debt belongs to me if they dont require documentation? I was never given a straight answer. It is my understanding that the debtor has 30 days to comply and submit documentation. So if they dont require documentation, how can they leave this on my credit report? I have yet to receive the requested documents from XXXX XXXX XXXX and Experian is apparently making their own rules up. This debt should have been removed from my credit by XX/XX/XXXX but yet it continues to plague my credit. I have disputed thIs repeatedly since it was put on my credit but to no avail. There is no consistency in these fraudulent reporting practices. It is obvious that there are many inconsistencies that prove theres a problem but Experian has ignored these issues and continued to up hold this fraudulent account. I would sincerely appreciate the CFPB looking into this matter for me. I believe it could be a form of racism because I have repeatedly submitted the required documentation and nothing has been done about this fraudulent debt that was supposedly opened back in XXXX but there was no reporting of this debt until XXXX where it was dropped onto my credit and immediately went into a XXXX plus late status destroying my credit score. This is clearly incorrect and experian refuses to fix it. XXXX has failed to comply with my request as well. I have yet to receive the requested documentation. You can reach me at XXXX. I have attached the certified/notarized letter and certified receipt for Experian located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your time and attention to this matter. Have a blessed and prosperous new year. 

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 explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XXXX XX/XX/XXXX, Wells Fargo miscalculated deliquent interest fees. On XX/XX/XXXX I got documents from Wells Fargo regarding my equity from the sale of my home. My home sold for more than my loan amount. Wells Fargo sent me a breakdown of my foreclosure fees. I was charged {$16000.00} in deliquent interest over a 5 month span. If you break that down to charges monthly that means I was charged {$3300.00} per month for 5 months with an interest rate being 6.150 on {$150000.00} ending principal. The math doesn't figure. Also I was charged {$2400.00} for an escrow advance. I did not have an escrow account. I paid my own homeowners insurance and property taxes which leads into corporate fees of {$2300.00}. which is forced insurance. My home owners insurance was through XXXX XXXX XXXX, XXXX XXXX, agent for XXXX XXXX XXXX. I'm sure some just miscalculated there figures but bottom line I should be compensated for over charge or forced charges.

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