BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit 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 had my credit card with XXXX ending XXXX set up to pay my rent through them, on XXXX they try to collect the rent on my checking account, I was not ready, so they sent me notifications for me to send the money to them for them to pay the XXXX rent XXXX. 

I did send the money, but I was told over the phone, that although I sent the money to them thru my checking account directly to XXXX XXXX, the money was applied towards my balance due shown in that moment, so I had to pay my rent directly to the landlord. 

On XXXX XX/XX/XXXXXXXX  XXXX 's statement show the payment I did for {$3300.00} to them, that was applied to my regular purchases, so total new balance to pay on XX/XX/XXXXXXXX  was {$1100.00}. I had to dispute some charges I did not made, so they replace the card, they send me a new one ending XXXX. 
Then on XX/XX/XXXX statement, card ending XXXX, they comeback and charge me for the rent {$3300.00} ( or purchases ) that they never pay for me!! plus XX/XX/XXXX statement balance of {$1100.00} total of {$4500.00}. 

I contact them on XXXX when I realized about the mistake, XXXX  sent me to WellsFargo Enterprise Complaints Management Office, and since then I have to : *Send them copies of checking account statements for them to see all the transactions made in XX/XX/XXXX. 
* XXXX XX/XX/XXXX card ending XXXX and XX/XX/XXXX card ending XXXX statements. 
*My landlord statement so they could see that I WAS THE ONE PAYING MY XX/XX/XXXX PAYMENT not them. 
*TONS of calls and some emails to the Executive office case specialist and, after 7 months ( XX/XX/XXXX was my first contact with them ), they have been sending me letters, telling me either they close the case with an illogical explanation or that they need more time, I open that case XXXX XXXX more times because of that illogical explanations!! Is too much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has been giving false scores to other parties on my behalf, I never instructed or consented to Equifax furnishing my information to other parties. Equifax was unfair, partial and did not respect my right to privacy in accordance with the law specifically. They did not have my consent and respect to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports1681a and 1681c.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: MS
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/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, Account Name/Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Account Name/Number : XXXX 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 than 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 : XXXX XXXX XXXX # XXXX xxxxxx Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : us dep of ed/XXXXi # XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 than 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 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 2022-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was told by several of the customer service reps that I missed a XX/XX/2022 payment, as such my XX/XX/2022 payment was applied to the XXXX installment. Additionally, that my account is past due and has a late fee. 

I went through my account and all payments have been made timely, including XXXX. Two different reps argued with me, one hung up on me and neither communicated clearly at all. I asked to speak with a manager and was told they weren't available. I have since sent in screen shots of my XXXX payment transaction as well as transactions for the last 10 months. I have NOT missed any payments. I believe the issue is on their end. The XXXX payment was successfully processed on XXXX. 

I've asked that the company immediately ensure that the payment is credited to my account and that the late fee is removed. 

As a side note, when I went through my account with the service rep checks are routinely sent timely and are posted past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: ALLY FINANCIAL INC.
State: NV
Product: Credit reporting 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 score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. Ally Financial has given me 3 separate inquiries 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
Consumer complaint received 2023-01-15
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 XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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 an account without my written instructions.

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 2020-12-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 I scheduled an ACH pull from my JP Morgan Chase savings account to my XXXX XXXX savings account in the amount of {$13000.00}. This was scheduled through XXXX XXXX. The transaction was completed normally on XX/XX/20 however XXXX froze all ability to transfer to/from my accounts. XXXX stated this was because the wrong name was on the login because my Chase account is only in my name but my XXXX account is a joint account. They have conducted multiple transfers previously between account with only my name so this did not make sense, but we resolved the issue with a phone call. However, XXXX stated that they would have to reverse the ACH transfer back to Chase, which occurred on XX/XX/20. 

The funds never appeared back in my Chase Savings account. I called Chase customer service and they stated there was nothing they could do because they couldn't see the transaction. I called XXXX and they stated they would investigate and have a supervisor call me back with a resolution, but no one ever called. I called XXXX again and was put through the exact same conversation as before and was then told they couldn't do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am writing to file a complaint related to my recent consumer credit transaction for personal family and household purposes with XXXX XXXX XXXX XXXX XXXX pertaining to Regulation Z, which implements the truth in lending Act ( TILA ). Chrysler Capitol denied me credit which in good faith I truly believe my religion was discriminated against which is also a violation of Regulation B Equal Credit Opportunity Act when denied an extension of my own credit for personal, family, and household purposes. Specifically, I am concerned about the accuracy of the decision. 

I was never given a copy of my credit application, I asked many of times to the dealership. They never gave me a copy of my credit application ; in fact, I have video of the sales associate saying that they normally just shredded the paper ( credit application ) so I shouldn't need a copy. I have everything documented through the whole transaction. Unfortunately, the videos are too large to upload onto the platform exceeding the limit of 10mb. But I can send the videos via text message if necessary. 

I am requesting that you reverse the denial to an approval so I can proceed to my life, liberty, and pursuit of happiness. Thank you for your attention to this matter, I look forward to hearing back from you soon. 


Dates : XXXX & XXXX XXXX  XXXX Price : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting act 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 1666B : 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 non-monetary relief
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: NY
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 a notification from Citibank that my dispute of {$1400.00} for a charge on XX/XX/2020, for airline tickets on XXXX XXXX, was closed as the airline was offering a travel voucher for future travel, which is not allowed as per United States Department of Transportation ( USDOT ) rules and regulations, which require an airline to offer a cash refund for cancelled flights originating in the United States. I have enclosed my correspondence with Citibank, which took the merchants position that I am not entitled to a cash refund in violation of the USDOT rules and regulations. When I followed-up with Citibank in XX/XX/2020, and received a letter back dated XX/XX/2020 stating that I no longer have any recourse, and they have no options available to assist me, even though XXXX XXXX response back to Citibank was not truthful, and made numerous false accusations, which Citibank ignored.

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 2021-01-11
Company: Resurgent Capital Services L.P.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. Remove now is now ASAP!

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 2023-11-14
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX XXXX I initiated a consumer transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' After speaking with your representative XXXX on XXXX XXXX, I was informed that there is no application on file. She later stated a soft credit check was indeed performed. If this is true, your company has committed securities fraud. See 18 U.S. Code 1348. My security ( application, signature, ssn ) was given and I received nothing in return. Per section 16 part 2 of the Federal Reserve Act my application is the collateral a negotiable instrument, a promissory note. My application created the money Im applying for. 
The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
XXXX XXXX XXXXXXXX 15 USC 1602 XXXX : XXXX 15 USC 1637 XXXX : XXXX 15 USC 1640 XXXX : XXXX 15 USC 1681o https : XXXX 15 USC 1691e XXXX : XXXX 12 USC 1431

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from Affiliate Asset solutions LLC have never done business with this company and not sure how they obtained my information on a debt I do not recognize. There is no proof that the debt actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/ two unfamiliar checks were deposited into my checking account. On the online statement the amounts are shown as {$1700.00} and {$1700.00}. Both were made in A BRANCH/STORE # XXXX & # XXXX. 

However, for the first time today XX/XX/, I saw images of the deposited checks and the amount on the checks are different to what it says on the account. The amount on the checks are {$3500.00} and {$3500.00}. 

On XX/XX/2023, {$7000.00} were withdrawn from my account. Leaving me in a negative balance. The notation on the statement says " DEPOSITED ITEM RETN UNPAID - PAPER XXXX '' That same day, I submitted a fraud claim with Wells Fargo claims department. They provided me with a claim number # XXXX. I was told it could take up to 10 business days for a resolution. 

Today I called to follow up and I was advised that the claim had been closed. The reason being is because they said the signature on the checks matched the signature on file and that a state issued ID was used in this transaction. 

The signatures on the check were not made by me. I am a victim of fraud and because of Wells Fargos lack of due diligence, they have prolonged this case. My account remains in a negative balance and all of my monthly payments that I make with this checking account are being rejected which will eventually cause credit issues.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is 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