BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed my Keybank account on XX/XX/XXXX. To my surprise, my credit report through XXXX XXXX shows that the account remained opened until XX/XX/XXXX. The report shows that it was overdrawn 2 times on XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting an old address and has not removed it. This address is 5-6 years old.

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 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXXXXXX XXXX : Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XXXXXX/XX/XXXX : I filed a dispute with XXXX XX/XX/XXXX : Dispute completed by XXXX, reported that the account was not fraudulent which is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX XXXX account for XXXX XXXX XXXX XXXX for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: WELLS FARGO & COMPANY
State: NJ
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:
2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, WELLSFARGO RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY WELLSFARGO.

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 2023-02-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Regions Bank, at their XXXX XXXX branch in XXXX AL. This started on the date of XX/XX/XXXX. 
Their ATM outside their building facing the XXXX malfunctioned and when I was making a deposit for the amount of {$600.00}, it came up with an error through the transaction and gave back a {$1.00}. The dollar got stuck in the machine and the ATM malfunctioned and gave me an error, took all of my cash and gave no receipt. 
I went the the branch the next day, and filed a dispute. They gave a credit of the {$600.00} back, and said they had to wait for the trucks to collect the money in the machine. Theyve mentioned the trucks come every week. And fast forward to XX/XX/XXXX when they took back the credit theyve gave me. And said my deposit was only {$180.00}. So I had to pay back {$420.00}! I filed another deposit and it was instantly denied. The XXXX XXXX inside the branch could not help me, due to him apparently not having access to the machine. I sold a computer on the XXXX in the parking lot across the branch, and I have messages to prove I met someone in the parking lot to prove it was indeed the {$600.00}. I requested them to check the security cameras and they denied my request, due to the fact they claimed it would not help my case. I told XXXX that you can tell the difference between a stack of {$20.00} in the form of {$600.00} vs the stack of {$20.00} in the form of {$180.00}. Because it would be a bigger stack. They still claimed they couldnt check the cameras unless i had law enforcement. They also claimed if I had a receipt it would be a different case. But their machine did not provide one. The same thing that happened to me, happened to my mother this month as in XXXX. The stopped providing responses. I have all the proof they want but they wont take it. I just wanted them to check the cameras and see that I indeed had a stack of {$20.00} in the form of {$600.00}.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX  XXXX account for XXXX XXXX XXXX XXXX for 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 2023-03-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Unrequested EMAIL communication from Wells Fargo Credit Card ( WFCC ) SECURITY/FRAUD DEPARTMENT SHOWING DENIED TRANSACTIONS AND ASKING IF CHARGES WERE VALID ( THEY WERE NOT ) WHILE PERFUNCTORILLY AND AUTOMATICALLY CANCELLING CURRENT CREDIT CARD WITHOUT CONSUMER RECOURSE OTHER THAN THE HASSLE OF NOT HAVING CARD WHILE WAITING FOR SLOW, SNAIL MAIL OF REPLACEMENT CARD MAILED TO ANOTHER COUNTRY.

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 2022-04-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I placed a call to XXXX representative stating that I was suspecting of a scam. Impostor directed me to download the anydesk app.

After I downloaded the app he directed me to start two wires in order to safeguard my finds. He said that the money would be debited immediately after the test was performed. It was only way to have my money safe.

I followed the instructions and completed wires. I filed report with bank.

Impostor texted XXXX employee ID. 
XXXX XXXX XXXX phone impostor used to commit fraud Anydesk kept sending prompts that the caller was a XXXX  verified client

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 2022-04-09
Company: NAVY FEDERAL CREDIT UNION
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:
Navy federal is in violation of the FCRA they continue to furnish inaccurate information to my consumer report. I have sent over an FTC report and a police report and navy federal continues to report inaccurate information to the consumer reporting agencies. Not following the rules under the FCRA for furnishers. They have been reporting this inaccurate information for over 120 days on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: U.S. BANCORP
State: KY
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 can not get USBank to correctly update and remove a paid off account from my report on all 3 bureaus. I have requested they remove the account and their own processes do not allow this. I simply need it removed entirely and they refuse to do so.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: GA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called 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 explanation
Consumer complaint received 2023-03-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2022, I received a Writ of Execution ( money judgment ) and a Notice of Levy Execution ( money judgement ) legal document in the mail. I was not aware I owed any debt yet I received legal documents from Midland Funding Attorneys. I didnt know what to do at all until I did some research and found that I was supposed to be given a notice of debt before hand with option to dispute. I was never sent any notice of debt from Midland Funding or XXXX XXXX XXXX so I was not given a fair chance to fight this. This debt is not mine I need to be able to dispute it and prove I never had this XXXX  XXXX XXXX XXXX. This levy is saying they will garnish any wages I get even though I do not owe this debt and wasnt given an option to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I received text notifications for 3 purchases made on my Chase Freedom credit card. Two were for XXXX XXXX for {$37.00} and one was for XXXX for {$100.00}. All 3 of these charges were fraudulent charges. I immediately got on the phone to notify my Chase bank. The 2 charges from XXXX XXXX were declined but the XXXX charge went through. I was assured that I would not be responsible for these charges. My card was terminated and I was issued a new card. Yesterday, XX/XX/2020, I received a letter in the mail stating that I would be responsible for the {$100.00} charge from XXXX, the reason being " You received benefit form this transaction. '' This is false as I did not purchase anything from XXXX, how do they justify me receiving a benefit. I attempted to contact the fraud department right away but received a message saying they were closed and to call back during normal hours. I called 3 hours before they closed so it was a little strange. I tried to call normal customer service after waiting over an hour to speak with a representative, they told me they could transfer me to someone and there was no waiting period. The person however was unable to locate my information using my account number, name or even social. I called again to XX/XX/2020. After waiting over 2 hours and 40 minutes I was able to get a hold of someone. When I asked what the justification was they told me they were unable to do anything to my extensive usage with XXXX. So because I use XXXX a lot that is their logical reasoning as to why they can not protect me with this fraudulent charge. Chase Freedom claims to have Zero Liability Protection but this is false. I did not make this purchase so I should not have to pay {$100.00}. They are suppose to investigate this properly not just deny my claim because I frequently order from XXXX. I can no longer recommend Chase Freedom credit card to anyone. Sadly this is not the first time Chase has not honored their Zero Liability Protection claim nor will it be the last. I plan on cancelling my card once the Corona Virus crisis is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: PR
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX  XXXX XXXX ( Account Number : XXXX, Date XXXX, High Credit : {$5000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09
Company: Rocket Mortgage, LLC
State: IL
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:
Rocket Mortgage did not have a product that applied to the mortgage loan I requested with a live agent ( investment property, high credit score, $ XXXX loan amount, 20 % down ). The amount was too small. The agent should have had these guidelines, and knew my credit score from a soft pull. But the agent requested that I permit a hard pull anyway, knowing ( or should have known ) that the loan was under the minimum mortgage amount. Now I have a hard pull on my report ( and that of my wife ) and didn't need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-02-15
Company: ALLY FINANCIAL INC.
State: NC
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:
The creditor reported my account late 1x 30 days late and it has never been late. I applied for auto pay online, but there was a problem with their system, and the payment was never credited properly, when they brought it to my attention I paid it immediately. It was not my fault. I called the creditor and they said they would investigate and remove the 30 days late payment using their XXXX XXXX. This late payment is preventing me from getting a loan which I need to save my business. I am never late and I always auto-pay my bills.

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 2023-11-21
Company: Nexum Group Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt with XXXX XXXX and do not have a contract with Nexum Group Inc. They did not provide me with the original application or documents like I asked. Nexum Group is very aggressive and nasty. They don't let you explain why you don't owe a debt with XXXX XXXX ; they just get demanding nasty and tell you ; you better paid this debt or we going to report you to the credit bureau, and this will be on your credit report for 7yrs. 
I try to explain to Nexum representative the reason why this is not debt with XXXX XXXX I signed a contract with XXXX XXXX to have my roof done I had to pay my deductible up front before they started on my roof and salesperson said that only thing, I have to pay out of pocket may insurance with pay the remaining. So, once they finished the roof, they received the check from the insurance company after that I received a bill in the mail saying I owe them {$1300.00} I called the finance department and talked to someone named XXXX and I asked him what this bill for he said for extra wood they added to roof. I ask him why anyone didn't talk to me about this first he didn't give me and answer, so I asked for a receipt from them he told me they don't have to provide me a receipt, so I told him I'm not paying until your show me some proof of this extra wood for {$1300.00} are we can take this to court and handle this in court, the next thing I know Nexum Group calling my phone demanding me to pay them. I not paying no one unit some of your show me some document stating that XXXX pay for this amount for wood.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief