BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo denied 1 of 2 claims from merchant but both claims are the same thing. Same merchant same problem, unauthorized and no services were received but the want to deny my claim 3 months lather and are taking money from me!

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 2022-06-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2022, I used XXXX as the payment source for " XXXX  '', the XXXX, XXXX public transportation app. As the payment backing in XXXX, I used my personal Chase credit card. I used the " hvv '' app to buy subway and bus tickets for transportation. The seller for this service shows up in XXXX as " XXXX XXXX XXXX XXXX '' and on my credit card as " XXXX XXXX ''. The billing code that XXXX used to charge Chase is processed by Chase as a cash advance. This accounting error by Chase resulted in a {$10.00} cash advance fee for each ticket purchased. In the end, I was charged {$150.00} to buy public transportation tickets via XXXX ( the funding source of which was my Chase credit card ). 

Chase was unwilling to refund the cash advance fees regardless of evidence to show - through paypal receipts - that these charges were for public transportation tickets. I spent an entire afternoon trying to sort this out with Chase to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
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 have a late payment on my credit report from XXXX XXXX. I've reached out to the creditor to request validation of them sending me my statement 21 days before the due date and they have not responded. I have also reached out to the credit reporting agencies to have late payment removed as I have not given any instructions to furnish this information on my credit profile. It has been months and they have not responded. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC s 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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: EQUIFAX, INC.
State: DE
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXXXXXX XXXX with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following letter was provided to me by the buyer as they made an offer on my home only two weeks after this letter was written. The lender notified the buyer that they were in fact not approved and caused the buyer to unilaterally cancel the purchase. 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference : Interested Loan Program : Pre-Approved Loan Amount : 2nd Loan Amount : Sales Price : Property Address : Mortgage Pre-Approval Request 30 Year Fixed - Conventional {$320000.00} {$00.00} {$400000.00} XXXX XXXX XXXX, GA XXXX Pursuant to information you provided, including authorization to run a credit report, I have reviewed your Pre-Qualification request. Based on the information submitted, I am pleased to inform you that you are " Pre-Approved '' for a mortgage loan. 
Your information has not been submitted for formal processing and underwriting that normally occurs when an application is submitted. Based on my preliminary review of data provided, you would likely qualify for a loan under our normal operating standards. When you are ready to submit a formal loan application, I am available to assist you with this step at your convenience. 
If you desire that a copy of this letter be sent to another party, please sign and date the enclosed Applicant Credit Acknowledgement form and return to me. Upon receipt of the executed form, I will gladly share this information as you have designated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Senior Mortgage Consultant XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Fax ) ( XXXX ) XXXX ( Cell ) NMLS # XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone number. One loan company performed an investigation and quickly concluded that it was absolutely fraud. XXXX refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.

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 2023-04-04
Company: CarMax, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Carmax falsely reported 9 late payments on my account. 

XXXX lost my original contract I never signed a contract with carmax Carmax tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with XXXX which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since carmax took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: CT
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:
I viewed a website for some hand tools ; I read the reviews on the ratings, complaints and reliability. I placed my order on XXXX and billed it to my Citibank card. The order went thru, in the order statement, it stated when the order is ready I will get an e-mail from the company when the order will be shipped. To this day I do not have ANY order, documentation, and the website is gone. 
XXXX : I did not receive any type of invoice for the order ; I emailed the company and stated to cancel the order, and NEVER received any response to date. I put in a dispute with CITIBANK. ( 1 #, 2 # copy, at the top of 2 # investigation complete, Resolved-Customer Responsible XX/XX/XXXX, XXXX do not have any information from the company ) called CITIBANK on XXXX and explained what happened. 
XXXX ( 3 # ) Document States they did not receive any proof of cancellation- BIG FAT LIE, also copy was included of XXXX delivery and proof of delivery statement. I went to XXXX and showed them the shipping info, they stated this is not standard delivery documentation and the weight of the Item that I ordered ( Tools ) would have weighted XXXX and I spoke to my neighbors to see if by chance they may have received the package, all stated no and nothing has ever been stolen and also stated to the CITIBANK rep . I called again to CITIBANK, explained again to the dispute dept, the same response was youre a great customer and we will get your money back and this did not happen. 
XXXX Same statement 4 # I called back again to the dispute dept, asked for the manager of the dispute department, on hold for 3 minutes, the rep stated that they spoke with the manager and they will refund me the {$99.00}. 
XXXX I called again to the dispute dept, demanded to speak with the manager of the dispute dept, again on hold 3-5 minutes, the rep stated they spoke with the manager, they will refund me the {$99.00}, e-mail, send a letter stating the fund, again I demanded to speak with the manager and the rep would not do that. 
XXXX To Date Nothing has been refunded, no email and no letter from CITIBANK. 
I feel that CITIBANK has failed to their job, very dishonest verbal statements, Im their customer, should be represented and instead they took the vendors words. CITIBANK stated they reached out to the vendor, CITIBANK should have provided me with all the information from the vendor and I DO NOT have any information from the vendor. I checked my credit rating and it has dropped XXXX points due to all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT

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 2023-11-08
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23, Hunter Warfield , Inc. sent me an email to my email account stating that they were collecting a debt for XXXX XXXX XXXX of {$140.00}. The email stated that I could dispute the debt in part or in full by XX/XX/23. If the debt was disputed, Hunter Warfield, Inc. must stop collection on any amount you dispute until they send information that shows you owe the debt. On XX/XX/23, I sent a letter through certified mail disputing the debt in full and requesting a debt verification letter. A copy of this letter is attached in the documents, as well as my certified mail receipts. As outlined by the Fair Debt Collection Practices Act : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' ( 4 ) was never completed by Hunter Warfield , Inc. after I disputed the debt and requested a debt verification letter. Additional collection efforts were made by Hunter Warfield, Inc, they call me every day attempting to collect this debt. As of today XX/XX/23, the debt verification letter has yet to be sent to me. This is a violation of the Fair Debt Collection Practices Act. At some point that is unknown to me, Hunter Warfield , Inc. reported a collection to XXXX, XXXX, and XXXX. This collection now appears on all of my credit reports, and is negative to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the repXXXX told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company consumer portfolio service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!

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 2023-11-10
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchase a vehicle in XXXX XXXX XXXX  from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... there were documents that were fraudenly sign such as the truth and lending statement. At that time amount financed wasXXXX. They did my financing through Credit acceptance I got a past due notice because nobody would call me back. the past notice showed my balance XXXX i had made all my payment accept XXXX and now going into XXXX... i do not understand how my balance went up so much, the additional fees charged, and the settlement charges listed on my bill of sale.I want credit acceptance to send me what fees were charged, what my interest rate is and all documents that were signed supposedly by me. i want to get someone to contact me with this information

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 2018-02-06
Company: Western-Shamrock Corporation
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Was sent a letter in XXXX dated XX/XX/2017. Stated that my account was referred to branch manager for legal review. That they expected me to pay within 10 days of that date. Otherwise could result in direct garnishment plus legal fees. Please don't make legal handling necessary. I am on XXXX receive $ XXXX  month. This was a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
am XXXX XXXX Explanation of my income and tax situation The receipt and transfer of money on the wise app are all operated by myself and no violations or risks On the afternoon of XX/XX/2023, wise suddenly closed my account without giving a reason, so that I could not log in to the account and did not know where the funds had gone The current balance in the wise account is about {$17000.00} Without giving the reason for the account closure, I hope it will be handled properly. 

Wise XXXX XXXX XXXX / XXXX I need your help, help me with the money that will be mine Here is the information about the company withholding my funds : Wise Payments Limited is a company registered in XXXX and XXXX with registered number XXXX. Wise Payments Limited is an Electronic Money Institution authorised by the XXXX XXXX XXXX with firm reference XXXX. 


thank you XXXX XXXX

Company response to consumer: Closed with explanation