BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Hello Approximately XXXX dollars XX/XX/XXXX and after i noticed and received a late fee from Wells Fargo bank. I do not remember what the amount of the late fees were but eventually added up to XXXX dollars. As my bank Wells Fargo Bank was on my path of travel to my job I decided to stop by and ask what this late fee was all about. The clerk at the teller counter explained to me that it was for a checking account that i opened. I think he said it was free for a few months but then i had to have a certain amount of money in the account or some type of direct deposit for the account to remain free from monthly fees. I remember sitting down with a female customer service i believe her name was XXXX. I told the teller that i never opened said checking account, that i did apply for a credit card with ( XXXX ). But that i had not requested to open a checking account. The teller said " umm uh well XXXX would not do something like that '' When i asked for XXXX the teller explained to me that XXXX was no longer with the company. I believed as time went by i paid the amount of XXXX dollars in late fees and called Wells Fargo customer care to ask for the account to be closed or I either stopped at the physical bank and conducted the above. Its been many years so i am recalling by memory only with a few writing notes. As years went by i started hearing more and more about XXXX. i believe it was early as XXXX I decided to look up my free annual credit report thru above web site. I was shocked and amazed to find out that Wells Fargo was reporting to all XXXX credit bureaus that i was late up to 60 days in the amount of XXXX Dollars. I immediately disputed the inaccuracy with all 3 of the credit bureaus. To my surprised Wells Fargo responded and stood clear that the reporting was accurate and up to date. Even though i believe i had paid the fees of XXXX dollars. To my relocation i can recall that Wells Fargo unfairly reported the credit bureaus up until XXXX or perhaps up til XXXX. I know the time frame does not make any sense but also you will see that on my credit report the credit card amount i was approved for was for {$6000.00} and the late payments against the credit amount was {$93.00} but you will also see that i never used any of the credit against the credit card loan against the amount of {$6000.00}. In this way my credit file shows me having a credit card with Wells Fargo in the amount of {$6000.00} and it will also show that i am late in payments up to 60 days in the amount of {$93.00}. But my credit file will also show that i never consumed any of the {$6000.00} available to 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
EQUIFAX SELLS CONSUMER 'S DATA WHEN THEY RUN A CREDIT INQUIRY On XX/XX/23 our bank lender we've been with for 32 years pulled our credit reports to screen us for a home loan. Within hours of our credit being pulled, random people/companies began texting & calling us ( so far 6 calls and 4 texts ) to solicit us in hopes of selling us their loan/mortgage product. 

One text we received at XXXX on XX/XX/23 from XXXX even read, and I quote verbatim, " Hello, this is XXXX. I'm a XXXX XXXX. I received your application. As a XXXX I'm going to beat anything you've been offered and close with 15 days. '' That's a complete LIE! XXXX never received any application from us! 

Our bank lender said this happens all the time when they run credit for customers. Our lender said that upon seeing a credit inquiry, Equifax sells the consumers information to lenders wanting to solicit people in the market for a loan. 

How can our personal information be sold/given to any outside party when doing something as personal as home loan? This is completely ridiculous. We are small business owners ... my wife was furious when her phone immediately began blowing up with these texts and phone call solicitations, while she was on the phone trying to serve a client. 

The allegedly CFPB was formed to protect consumers from deceptive or abusive practices, yet they know these absurdities are happening and do nothing about it. Think about the hours of inefficiency, miscommunication and deception these solicitations cause across millions of consumers every year... not to mention the outright fraudulent lie my XXXX example above committed, which should be pursued by the FTC and FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. EQUIFAX, XXXX, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX  I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX  I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXXXXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XXXX XXXX WHICH IS ONLY 5 DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Nelnet, 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:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various nelnet loans it shows as if I have various late payments its not accurate or fair that this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}

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 2020-12-18
Company: CITIBANK, N.A.
State: CA
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 XX/XX/XXXX, my credit card account was hacked by someone who drew {$1000.00} through XXXX XXXX XXXX NY Digital Account Number XXXX. By that time, I did not know about this case. Started from XX/XX/XXXX, the late fee and interest began charging. Until XXXX, XXXX, I found this charge when I checked my credit card online. That I reported to Citicard. They spent several months to do investigation. Then in XXXX, they cancelled the {$1000.00} charge but not the late fees and interest. The late fee and interest was {$110.00} in XXXX. This charge continued to grow and right now, it accumulated to {$360.00}. Around in XXXX, XXXX, I gave a call to Citicard with the phone number of XXXX. The representative could not help and transferred me to other department. Turn out no solution. A few days ago, I received a message from Citicard and requested me to pay the due charge. I gave a call to the phone number of XXXX and told to the representative with my story. She called her manager for help. But the manager said that she could not do anything.

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 monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
signed up for Chase XXXX XXXX card. They had XXXX reward point promotion if $ XXXX spent in 90 days. As I went to make the final purchase a few days before the deadline, their fraud system flagged a purchase attempt and the card was locked for several days until they responded to my inquiry. After that, the deadline had passed and after multiple requests, they will not honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
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:
On XX/XX/2019, I received a phone call from what was identified as XXXX XXXX On My Caller ID. I believed that Fraudulent activity had been attempted on my XXXX XXXX XXXX XXXX Which handles my XXXX Benefits. I was told that a {$300.00} charge had been flagged and attempted at a XXXX. I told what I Believed Was XXXX XXXX that the charge was not authorized. I was informed that a XXXX XXXX XXXX Mastercard would be issued in 2 days at no expense. I also informed that another fraudulent charge from a XXXX for {$49.00} had been made in XX/XX/2019. The alleged XXXX XXXX person claimed that {$49.00} charge would be reimbursed to my account. I was satisfied that this had been brought to my attention at the time. Within the hour of receiving this call I went on the XXXX XXXX app to check my balance. I discovered a shocking result. {$800.00} had been withdrawn from a Chase Bank ATM in XXXX, Florida with an XXXX cent ATM Withdraw fee. Then {$180.00} had been withdrawn in addition. {$980.00} had been withdrawn out of my XXXX XXXX Mastercard & Social Security XXXX benefits without my consent or permission from a Chase Bank ATM In XXXX, Florida. I called Chase Bank at XXXX & at XXXX under the address of XXXX XXXX XXXX ; XXXX, Florida XXXX which was listed as the location in which the withdraw took place. I am in XXXX XXXX, Minnesota. I did not authorize nor consent to ANY Chase Bank ATM Withdrawals in XXXX, Florida. I reported this fraudulent claim to Chase Bank hoping Chase Bank Fraud Department would start a claim due to the loss of the {$980.00} I suffered. The Chase Bank Phone agent told me nothing could be done until XXXX XXXX started a claim. XXXX XXXX was unable to accept my claim due their " high volume of calls. '' That is it's own seperate complaint. The complaint I wish to file here today is with Chase Bank XXXX XXXX, Florida. When someone calls Chase Bank & reports suspicious & unusual activity which occurred at a Chase Bank ATM, I hope that the Chase Bank phone agents would take fraudulent complaints where a XXXX Benefits recipient states that {$980.00} was withdrawn from a Chase Bank ATM Without Consent. I truly hope the Chase Bank Fraud Department may cooperate with the XXXX XXXX XXXX XXXX at recovering the lost funds or holding the perpretrators of this fraudulent activity accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: SandP Solutions, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had some winning from XXXX XXXXXX/XX/XXXXbut they only Pay in Bitcoin.I received the Bitcoin.as I am new to this and know nothing about it I tried to sell my Bitcoin.I tried to transfer it from Bitcoin wallet to Bitcoin cash as this seemed the obvious thing to do being a cash XXXX address populated which I entered then it said it sent.it didnt hit my Cash wallet.after speaking to Bitcoin in much detail they say there is nothing they can do! Surely if the address populated and it went somewhere but they dont know where then its sat somewhere! This was over XXXX dollars just vanished and cant be traced or given back?!

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 2020-12-18
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to my previous broker I bought my home thru to get me set up with refinancing my home under the IRRRL program. Immediately I saw a {$6500.00} increase to my mortgage in his proposal and the interest rate was higher than his competitors interest rate of 1.98 %. I wasnt sure who is getting this money whether it was my broker or if it was the company that they reached out to you to fund the loan. After contacting freedom mortage the company XXXX XXXX reached out to I was informed by XXXX XXXX that I didnt have to pay those fees to get the IRRRL through FREEDOM MORTAGE. I was so happy I made the call to freedom. I was told that I needed to have my original broker withdraw my paperwork for loan so that I could go directly to freedom and save the {$6500.00} that I was being charged. After contacting XXXX XXXX XXXX and telling him and insisting he close my paperwork out. He said he did close out my paperwork. On the XXXX day I called with XXXX XXXX my rep from freedom Mortgage. XXXX XXXX insisted I put everything in an email. I believe XXXX XXXX will continue to push my credit score down I have gone from what he said was a good score of XXXX to XXXX in the short time I began this Refi. 
I also believe freedom will not go against XXXX XXXX for I am no one and he is a broker. I will never get the best rate available.

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 2021-03-03
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2023-03-21
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I opened a platinum credit card with Capital One exactly XXXX year ago in XX/XX/XXXX. I was never late on a single payment. The only issues I ever had was accidentally submitting payments from the wrong account which resulted in a returned payment. This happened a total of 5 times. Twice in XX/XX/XXXX, then once in XXXX and twice XX/XX/XXXX. The reason this happened is because Capital One automatically defaults to your first payment account, and there is no way to change this. You have to manually switch the payment every time. When I realized the error I quickly resolved it placing payments immediately from the correct account. After it happened again during XXXX week I quickly submitted a payment on XX/XX/XXXX for the full amount on my credit card. In fact I actually overpaid by {$62.00} because Capital One did not show the correct amount on the app. Payment was taken. The next day when I log in I see a notice saying the account is restricted. Surprised I contacted Capital One and was told the account was closed by the Fraud Department. Questioning this I asked to speak to a supervisor. She was extremely rude and cutthroat. Did not try to work with me in any way and adamantly stated Capital One has the unequivocal right to close any account at any time and no reason has to even be given. She continued saying Capital One made a business decision and there was nothing I could do. Her behavior was absolutely disgusting. You call that customer service Capital One? It felt more like a bouncer delighted to keep someone out of a club. She abused her power over that phone call. I want whoever reads this to listen to that call and explain how that is an acceptable way to treat a faithful customer : This made me extremely angry and caused me to have an outburst and hang up. I couldnt understand how Capital One could treat its customer and a veteran that served this country so badly. I havent committed any fraudulent actions with this account or any account ever. This only ever happened because Capital Ones mobile app does not allow you to change the default payment or delete old payment accounts. I tried to find a way to do this repeatedly but couldnt find it. Then I received a notice this morning stating Capital One closed the account and would be sending me requests for payment. Your system is a little slow guys. You owe me {$62.00} dollars and I want it back. I would even take you to small claims courts over it. Its not about the amount its about the principal. This ordeal has caused me a great deal of mental anguish.

Company response to consumer: Closed with explanation