BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Company involved : WELLS FARGO BANK on XX/XX/XXXX I deposited a {$2800.00} check using the bank application " Mobile deposit ''. It usually takes the following business day for cashing the check. On XX/XX/XXXX I received an electronic communication from Wells Fargo that they will hold the check until XX/XX/2023, and the Hold Reason was " Signature On Check Was Irregular ''. I called to Wells Fargo Costumer Service and the agent to talked to me said that they couldn't get the money from the issuing bank because the Signature on check was wrong and Wells Fargo will try to get the money from the other bank again on XX/XX/XXXX and then they will deposit to me on the following business day, it means, XX/XX/XXXX. 
After that I decided to call the person who give me the check and we both headed to his bank to cancel that check and he would pay me with another one. We get in shock when the agent looked up his account and showed us that the Signature was right and Actually, Wells Fargo had already cashed the check on XX/XX/XXXX!!! I have proof of that! 
So THEY LIED SAYING TO ME 1 ) THE HOLD REASON WAS FOR AN IRREGULAR SIGNATURE ON CHECK ( LIE ) 2 ) THEY WILL TRY TO GET THE MONEY ON XX/XX/XXXX AND WILL DEPOSIT THE MONEY THE FOLLOWING DAY ( IT WAS LIE TOO ) I decided to call Costumers Service again and the agent was rude to me, saying I was lying, that I have to wait because that's the bank policies. 
I think they lie to clients like me to keep the money on hold without any reason

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 2023-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In 2011 I bought a house. And I have a down payment and paid closing costs. But I did want to know why so much money. And if it even went into the principal as it was stated it would. Now I find out that Wells Fargo has done illegal activity and within the scope falls mortgages. I want someone to look into this and see if they processed my mortgage correctly and didnt over charge 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 2023-03-10
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX. I purchased my leased Kia K5 on XX/XX/2023 in the amount of {$26000.00} and have yet to receive my title after 30 days. 
XXXX. XX/XX/2023 called kia finance in regards to payment and was told that the milage statement was not received. Uploaded mileage statement again through kia portal. And was told I owe {$1200.00} dollars. This was not on any document and was not confirmed. 
XXXX. XX/XX/XXXX I have been told the lease has been paid in full but now a hold on my payment for the {$26000.00}. They also stated there is no way to communicate with any management team to find out my status of the situation. I will have to continue to call every 10 days to see if the work has been completed. No notes have been left after each call on my account. I have current calls recorded to protect me on receiving the title and any legal action.

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 2022-11-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: MD
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 explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.

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 2023-03-24
Company: PLAZA HOME MORTGAGE, INC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company provided an incorrect 1098 tax form that does not reflect the points paid down at the time of purchase. I contacted the company about getting a corrected form. They first said they needed 48 hours to investigate and would contact me. After a week of not hearing back from them, I reached out, and they informed me the original company would have to provide a 1098 with that information, since they took over the loan. The deal was done in XXXX. The first payment went to this company in XXXX. Regardless, the 1098 should reflect points paid. They never contacted me with this info, and I don't believe they ever intended to. This has delayed the completion of my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-01-21
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection notice from XXXX regarding a debt for Paypal. I contacted XXXX around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to Paypal with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXXXXXX XXXX XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Hi, Dated. XX/XX/XXXX I am filing a complaint about Capital One Credit Card XXXX. I requested my Billing Statement in the mail from them recently, just to see how much I owed because, I noticed how something just didn't seem accurate, come to find out searching through the statements it said on one of the transactions, a bill of {$960.00} and {$55.00} from XXXX XXXX XXXX  dated XXXX, XXXX for both amounts, also the same exact bill on XX/XX/XXXX It clearly states on the statement, Transaction Rebill. 

I have called XXXX originally before contacting Capital One and they said the error was with Capital One and not them. I am getting the run-around from one business to the other. 

When I called Capital One, they saw exactly what I told them about the rebill and told me there is nothing they can do about this, therefore, they are still charging my account. 
Furthermore, they have restricted my card permanently, and I guess because I am refusing to pay. 

They are saying that I owe another {$830.00} as of XX/XX/XXXX. I guess they are trying to recover funds that were lost during the Pandemic and trying to recover that by rebilling some accounts, because I asked a second time why that happened, and they didn't know what to say they kept connecting me to a different department of persons within the company. 



I have talked to them today, XX/XX/XXXX, and still haven't resolved not one thing. 
Please assist me with this problem. I do not want this to affect my Credit. 

Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$200.00} Visa Vanilla gift card at XXXX on XX/XX/2021 and when I went to check the balance before spending it in XX/XX/2021, I saw that the funds had been stolen on XXXX XXXX  in 40 transactions of {$5.00} each. 
I called the number in the back of the card many times and provided them with all the information they asked since XX/XX/2021. So far, every time I talk to " Vanilla VISA '' they say XXXX realized the expenses were fraudulent and returned the funds to them, and that my refund is in the way, but it never arrives. Every time I call the clock resets for another 2 weeks wait. I feel Visa is scamming me too, and as a matter of fact I am not sure I am dealing with them at all. I would think Visa would be a more reliable company to deal with. 
What can I legally do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 2018

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 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Ive filed a complaint with Bank of America about force a close account when it was there fault scam customer because Ive reported them to you guys they now threaten shut down my credit card Ive never miss a single payment always pay on time had it for several years Bank of America says since I term them in there now force shut down my credit card this will lead to a law suit if I continue be taken adavantage of I will hire lawyer start legal court case against Bank of America there not even close my regular checking account that was suppose to be closed XX/XX/XXXX Im looking into take legal action now your not doing anything about this Ive save everything to show Bank of America is fully at fault with calls messages text emails they claim they dont do if it take court to tell bank there in the wrong then let it be that way Ive never miss a payment for them to do such. Thing because I turn them in is absolutely unacceptable

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 2022-01-28
Company: CARD Corporation
State: VA
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/XXXX, I made a purchase for {$280.00} to XXXX online. I found out that this company was a scam when I did not receive items that I had paid to delivered in 2 days, unable to contact the merchant and no merchandise received. I started a dispute with Card.com on XX/XX/XXXX. I called Card.com on XX/XX/XXXX and was told that they found no error, and closed the case not in my favor. I asked for proof of investigation into the merchant, as I could not reach the merchant. The phone number and email addresses on the website are not valid. Were they able to reach the merchant? Were they able to obtain any sort of tracking for my merchandise? I do not feel they investigated into my claim because they would have acknowledged that I was a victim of a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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: Their investigation did not fix an error on your report

Complaint:
I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for XXXX form and was not provided that

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have multiple inquiries on my trans union XXXX XXXX consumer report that I did not authorize an they are direct violation of my rights to privacy per 15 usc 6801 ( a ) They are also in violation of 15 usc 1681a- ( 2 ) ( i ) Trans union 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

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXX/XX/XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX # XXXX, Account name : XXXXXX/XX/XXXX# XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-21
Company: Experian Information Solutions Inc.
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 recently pulled my credit report and found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed. 
according to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these. 
accounts. These are the accounts that's reporting in accurately. XXXX XXXX XXXX account XXXX XXXXXXXX {$1700.00}, XXXX XXXX XXXX account XXXX XXXXXXXX {$1600.00}, XXXX XXXX Bank account XXXX XXXX $ XXXXPlease remove these hard inquiries, I did not authorize for any of these companies to run my credit, I did not sign any documents giving any one permission to do so. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.. Also, these hard inquiries I did not give authorization for these companies to run my credit. This is a violation of 15 USC 1681 I did not give the credit bureaus written permission to run my credit. XXXX  of XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX XXXXXXXX XXXX, This is specifically for XXXX XXXX XXXXXXXX # XXXX with fraud account with Charge-off Balance : {$1100.00}. I've attempted several times to remove this account from the Transunion credit report because i never opened this account nor did i use {$1100.00} on it. The other credit bureaus have removed this account but your company failed to remove it. F

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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 is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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