BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been having problems with a XXXX XXXX XXXX  since XX/XX/2022. I started to receive both internet and cable bills from XXXX XXXX XXXX under my name from my parents address. I did not know that my parents had opened up the XXXX XXXX XXXX bills under my name until I received this mail. I filed a police report, and several disputes within XXXX XXXX XXXX. I even have text messages proving that I did not authorize my parents to open up the account in my name. Even after receiving a notice that I would not be held liable ( attached ) from the XXXX XXXX Department, I continued to receive bills for the internet and cable before my parents transferred the accounts over. Now, a creditor reached out from Credence Resource Management , LLC on XX/XX/2022 to collect on account XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23, I visited the XXXX XXXX XXXX XXXX, XXXX, DE XXXX location to deposit cash. I was given a receipt for {$1500.00} cash deposit. After I left the bank, the branch manager called to tell me that a mistake had been made and that I would only be credited for {$1400.00}. This, despite the fact that I was given a receipt stating a {$1500.00} deposit. The manager explained that after I left, the money was recounted and they discovered their " mistake ''. I asked why I was given a deposit receipt before a final count was done and the manager was not able to give me a satisfactory answer. I asked if he could prove to me that the teller had not pocketed {$100.00} after I left the bank. He did not offer to review camera footage and did not offer me any avenues to dispute this issue. I am disgusted with how I was treated by the staff at this Wells Fargo branch. In addition to having to navigate this stressful situation, I had to take time off work to return to the branch for what was their " mistake ''. I will also be reporting this to many local news outlets.

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 2023-08-17
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:
I found inquiries on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a personal Chase Sapphire credit card before and decided not to renew the card and canceled the card on XX/XX/XXXX with a customer service staff on the phone. I made a final payment around {$4600.00} ( I can't remember the exact amount. ) on XX/XX/XXXX and haven't used afterwards until I canceled the card. By the time I canceled the card the reward point was XXXX and it was equivalant to {$1000.00}. The customer service staff said I can be paid that amount of money, that's why I canceled the card. I requested to send the money to my XXXX bank account and gave my XXXX account number. I had been waited for the money but I couldn't receive it. After that I called Chase credit card customer service XXXX XXXX. They have been telling me that they don't have an access since the account has closed and can't give my money back. Even I said I have the credit card statement but they didn't want to pay for me. This is really unfare and I can't give it up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-08-18
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I accidentally made an {$2000.00} payment on XX/XX/XXXX. I was trying to make a {$200.00} payment via app but accidentally add an extra XXXX. Immediately, I contact customer service since payment was pending. The associate explain that he wouldnt delete the payment to call my bank. So, he transferred me to US Bank customer service. Of course, they couldnt stop the payment because it was already processed. Thus, another transfer to the credit card US Bank. Where, I was told to call back tomorrow Friday XX/XX/XXXX to submit a research request. The next day, I called filed a research request. Monday the XXXX or Tuesday the XXXX I called back because I check my app and no payment reversal or correction. I was told by a supervisor at that time the latest this will by resolved is today Thursday the XXXX. So, when I called everyone will give me a different timeframe. XXXX the supervisor said 10business day. XXXX said 3-6 business day, finally XXXX said XXXX. No one can provide an answer to why this request will be corrected or were unable to resolve themself or attempted too.

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 2021-07-19
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fedloan has consistently been inaccurate about my student loans/XXXX and XXXX  since XXXX. They seem to have ignored the fact that I have been working for the State of Nebraska government since XXXX and have never left. They didn't qualify my employment for numerous years since I graduate in XXXX. They have also been incredibly inconsistent with payments amounts when my salary has rarely changed more than a few dollars an hour over these years. All of XXXX appears to be labeled as a not certified employer, XXXX shows only a few payments when I paid every month. XXXX seems to be missing entirely from their record of my payments. XXXX only shows half of the year. XXXX and XXXX is shockingly all accounted for BUT not all the months show up as qualifying payments that go for my XXXX. They even try to say that I had multiple years on forbearance and this is simply not true. Now they are showing AGAIN that my employer is not certified yet, I sent in the form in XXXX and they still haven't gotten back to me on that and it's almost XXXX. I truly feel that with my payments and being enrolled in the XXXX since XXXX, I should almost be done with the program yet they have my account listed as having only 38 payments!!! that is completely absurd and U truly feel as though I'm being ripped off and being stolen from and taken advantage of. Now with XXXX approaching and still not hearing anything from them after repeated attempts to contact them about my account, I feel I have had enough and that it's time to have the authorities look into this situation. I have a huge amount of student debt that just gets higher every single year. I'll never be able to pay it off or retire if they are allowed to continue this type of predatory business practice with me and my account. Please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband sold his company recently. The acquiring organization is based in XXXX. He received about {$320000.00} from the sale and had it deposited in my bank account, Capital One 306. We had access to the money for about three weeks, but funds were frozen just as we issued a large wire payment to repay a debt ( 2 payments, equal to {$110000.00} ) and scheduled a transfer of most of the remaining funds ( roughly {$120000.00} ) to XXXX XXXX to invest in a mutual fund. 

Conveniently for the bank - who pays us 0.1 % interest on over {$250000.00} and uses that as the basis to lend out {>= $1,000,000} at 8 % interest- they decided this amounted to " suspicious activity. '' So they closed my account. Their official justification is that my husband set up the wire transfers ( at my request, because I'm not great at that kind of thing ). 

Which is fine. If they don't want our money after 10 years, that's fine. 

They then sent us an email ( we kept a copy ) saying that a check would be mailed to us in 7 to 10 business days. That was 20 business days ago. 

Since we haven't received it, we called... we were told that our account hadn't been closed, and it was under investigation. No funds would be released until after the investigation was completed. 

So, they lied to us ... and have probably made about {$15000.00} in interest in the meantime. 

Then they gave us the phone number of an anonymous voicemail box that assured us we'd get a call back in XXXX hours. 

That was 50 hours ago. 

So, they lied to us again. 

Today, when we called to figure out why we didn't get a callback within 48 hours, the first person hung up on us. 

The second person didn't help us and did his best to not connect us with a supervisor. 

We then connected with a supervisor who... hung up on us after saying his name. 

So, where is our {$250000.00}? Why is it being investigated? Do we get a voice in this process? Why has the bank lied to us twice now? Is there a consequence to them lying to us? When can we expect our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Someone tried to get a prepaid credit card in my name. 
Netspend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX I did not apply for a credit card or prepaid card.

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 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR CAPITAL ONE ACCT XXXX BALANCE OWED XXXX Capital one im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXX XXXX XXXX  XXXX EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2023 around XXXX CST a representative with Citi Bank disclosed my account information to an unauthorized 3rd party. While i was away from my phone, i received a call, my sister answered the phone for me since i was not in the same room as my phone. When my sister asked who was calling ( to leave a message for me ) the representative went into detail with my sister regarding my credit card account. There was no verification on the representative 's part on who she was speaking with, or if the person who answered the phone was me the account holder. My sister asked to speak to a manager/supervisor while informing me of what just happened. I was able to speak with a representative by the name of XXXX ID # XXXX who identified as a Escalation Specialist. When i asked for the name of the representative that disclosed my information to an unauthorized 3rd party XXXX could only give the representative 's ID # XXXX. I asked XXXX what their practices are for verifying consumers, XXXX explained that they only confirm first and last name. I expressed to XXXX my concern for the lack of verification on the initial phone call that the representative gave my account information out openly without confirming they were speaking to the correct party. XXXX apologized.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to report an unfortunate and unsettling experience I had with TransUnion, a credit reporting agency. Despite making numerous attempts to correct my personal information and rectify inaccuracies on my credit report, I have faced significant difficulties that not only violate my rights as a consumer but have also left me deeply frustrated. 

I sent a dispute letter to TransUnion on XX/XX/2023, which was received by them, as certified, on XX/XX/2023. On XX/XX/XXXX, I contacted the agency and was informed that no action had been taken as the instructions in my letter were supposedly unclear. I reiterated my request to correct my personal information and remove inaccurate accounts including collections, charge-offs, and other erroneous information. The agent assured me that my personal information had been updated, the inaccurate accounts removed, and that I should see the update within seven days. 

However, I have encountered significant technical issues with the TransUnion website, effectively blocking me from accessing my account and thereby denying me the ability to verify the corrections. A representative did acknowledge the problem and promised resolution within 48 hours. This timeframe has since passed, and I still am unable to access my account. 

Furthermore, in my pursuit to obtain a copy of my report, I was transferred to a different agent. Despite a previous confirmation that there were no negative accounts on my report, this new agent informed me that my account was in dispute and, therefore, she was unable to provide me with a copy of my report. Yet, she stated that my credit report- which is still disputed and potentially inaccurate - would remain available to creditors. This is deeply concerning and, to my understanding, violates my rights under the Fair Credit Reporting Act. 

I sought further clarification by requesting a transfer to a supervisor, only to be abruptly hung up on by the agent, further exacerbating my dissatisfaction with the service I received. 

In light of these events, I kindly request the intervention of the Consumer Financial Protection Bureau to address these discrepancies, ensure my consumer rights are upheld, and help rectify this situation promptly. I believe that access to accurate personal credit information is crucial and any impediment in this regard needs to be addressed immediately.

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 2024-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am including a copy of the letter submitted to Wells Fargo, and the response from the company for your review. 

On XX/XX/2023, I contacted Wells Fargo about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call Wells Fargo with this request to increase my credit balance, and subsequently, my XXXX XXXX. During the call, I was told that Wells Fargo would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, Wells Fargo has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to Wells Fargo on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. 

On XX/XX/XXXX, I received a response letter from Wells Fargo. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that Wells Fargo determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that Wells Fargo considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than Wells Fargo 's chosen language that a credit report " may be necessary '' is deliberately misleading if Wells Fargo 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 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
Consumer complaint received 2023-12-08
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet is charging a higher interest rate than my actual interest rate. They refuse to explain why or correct it. I have called and emailed a few times and turned them into you last year but nothing has happened. 

Second time I am reporting Nelnet to you for the same issue. Last time you closed out the complaint with the hope Nelnet would resolve the issue but they did not. 

They still haven't resolved the problem of charging me higher interest then my fixed rate federal student loans were taken out at. For instance, several loans were at 6.5 % when originated. This is reflected in the first section of the attachment copied from Nelnet. However, go to the second section reflecting the same loans groups that should be 6.5 % are being charged 6.8 % interest. Nelnet refuses to correct this. I have given them a year to explain/correct this. Also, it seems wrong that my payment is {$440.00} but only {$28.00} goes towards principle. I haven't done the math but that doesn't seem right?

Company response to consumer: Closed with explanation