BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Fraudulent charges occurred on my account from XX/XX/2022 to XX/XX/2022. I was out of town and not even in California. I contacted Wells Fargo on XX/XX/2022 to alert the bank. The employee marked which charges were fraudulent and ordered a new debit card. I received a letter stating that the bank did not view the charges as fraudulent and would not reimburse me for the money taken out. The letter did not state the correct dollar amount and stated that my pin was used to make the charges. This claim is incorrect. When filing the initial complaint, the banker noted that my pin was not used on the charges. The following charges are fraudulent : XX/XX/2022 XXXX 's {$64.00}, XX/XX/2022 XXXX  {$1.00}, XX/XX/2022 XXXX {$0.00}, XX/XX/2022 XXXX XXXX$13.00}, XX/XX/2022 XXXX XXXX {$12.00}, XX/XX/2022 XXXX XXXX {$16.00}, XX/XX/2022 XXXX XXXX {$44.00}, XX/XX/2022 XXXX  {$150.00}, XX/XX/2022 XXXX XXXX {$69.00}, XX/XX/2022 XXXX {$35.00}. Due to the fraudulent charges, I was also charged a service fee of {$10.00} on XX/XX/2022. I contacted the bank again to discuss the claim and the banker filed another claim. I followed up on XX/XX/2022 since I had not received any updates from them. The banker was unable to reach a supervisor to assist me further but stated she would have one call me. The supervisor called and left a voicemail. I have now called and left three separate voicemails for the supervisor with no response. The employees over the phone can not provide any information as to why the bank has taken longer than the allotted 10 days to process my claim. These charges are not mine and the bank guarantees to protect my account. The entirety of the charges, {$410.00}, plus the service fee of {$10.00}, needs to be refunded so I can close my bank account. No one will give me any answers.

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 2023-09-14
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My Mother passed-away onXX/XX/2023. I communicated with XXXX XXXX company and told them I had to refurbish my Mom 's home before we sell it because she was a smoker who smoked in her home. They agreed, we were all on the same page. 
On XX/XX/2023 my brother-in-law received a text message that they wanted to by his foreclosure house in XXXX, CA. What?!?! I immedately called the XXXX XXXX Co ( XXXX ) and they advised me that they had foreclosed on the home as of XX/XX/2023. I felt as though they were rude and not concerned about helping me, they saw no urgency. On XX/XX/XXXX I called on a three-way call with my Attorney on the phone. They did not want to give my attorney the balance, the attorney contact info, nothing. Uncooperative. 
On Saturday XX/XX/XXXX I went to my mailbox and there were 20 " packets '' of information all with foreclosure/default filings from the court. Each and every packet is post-marked XX/XX/2023 - two weeks after foreclosure was filed. 
I feel as though they are trying to swindle me. They have all my contact information, yet no one ever reached out to me in regards to foreclosure. They have ALL my contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
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:
wellsfargo has mismanaged my account AND CLAIM they are standing by the dission to deny claim for debit card fruad when my card was cloned and so was my pin number is wellsfargo doesnt give back my funds i will be forced to file a lawsute and go to the media and keep filling complants with the federal government and there actions coused me to lose my XXXX cell phone service my XXXX XXXX hit my account on the day i got my SSI on XX/XX/2023 and made my account negative i transphered funds from my savings to my checking to cover that charge and instead wellsfargo used those funds to pay other charges that had all ready came off my debit card and some of the fruad happened while i was sitting with the bank manager and that fruad happened over 250 miles away in southern california so while i was in berekley so how can the bank stand by thier decision this basnk has all ready been in troble with this agency for this same contduct so i stand by what i say if i dont get made whole i will go to the media and file a lawsute as wellsfargo has coaused me great money lose and hardship and they have 30 days and i will get a lawyer after that. and we will let a judge decised

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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was told on XX/XX/XXXX  that I only owe {$20.00} for an annual fee. The bill was for {$81.00}. I had paid that online, called them & they said they would credit me {$61.00}, and now they tell me they can't. I'm a senior & very upset. My balance on my credit card is XXXX. This is annual fee only. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE 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 2023-03-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To summarize the event 's of my complaint, it was recently brought to my attention after checking my credit rating that there had been a collection added to my credit report. After looking at XXXX XXXX, I found the name of the debt collector which was Procollect , Inc . I immediately called a customer service agent on XX/XX/XXXX to get more information and it was at that time I was " verbally '' told of the collection. I never received any written notice via mail, email, phone call, text, etc., the customer service agent then said I had ( 30 ) days to dispute the collection. Procollect Inc., reported this collection on XX/XX/XXXX, to the credit bureaus without giving me proper notice, allowing me ( 30 ) days to dispute the validity of the claim, receiving a proper debt collection validation notice, or given the opportunity to pay before hitting my credit report. I've communicated this to Procollect Inc., several times via email which ultimately led me here and filing this claim. Closing, after doing a little due diligence and referencing the Consumer Financial Protection Bureau website. Procollect , Inc., improperly reported a debt to a credit reporting company without meeting its obligations under the FDCPA.

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 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 credit report that I did not authorize from capital one auto finance XXXX, XXXX XXXX XXXX XXXX, capital one auto finance XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Bread Financial Holdings, Inc.
State: NV
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
COMENITY BANK/EXPRESS XXXX and COMENITYBANK/NY & CO XXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITY BANK customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX Bank account XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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. 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 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
Summary I paid for a 10 hour event but only managed to get into the event 1 hour before its closure. The organizer is not responding to my refund request and my bank refused to open a dispute. 

Details I paid {$600.00} ( two charges of {$300.00}, one on XX/XX/XXXX and the other on XX/XX/XXXX ) for XXXX tickets for XXXX XXXX XXXX XXXX XXXX XXXX music festival that took place on XX/XX/XXXX with my Chase credit card. 

XXXX was supposed to be a 3-day event from XX/XX/XXXX to XXXX. After canceling the first day of the event on XX/XX/XXXX, the organizer pushed back the event start time from XXXX to XXXX on XX/XX/XXXX. Upon arriving at the venue around XXXX, I was told the only way to get my ticket was through the XXXX XXXX tent, which had an extremely long line. 

After waiting for 3 hours without food, water, or restroom, two of my friends left and never got their tickets. I waited in line for 4 hours with another friend to get our tickets and by the time we got into the venue it was past XXXX and the event would end at XXXX. I essentially got an one hour experience after paying for 10 hours. 

This is clearly unconscionable trade practice based on the NYC CONSUMER PROTECTION LAW, which defines unconscionable trade practice as Any act or practice in connection with the sale, lease, rental or loan or in connection with the offering for sale, lease, rental or loan of any consumer goods or services... which results in a gross disparity between the value received by a consumer and price paid, to the consumer 's detriment. 

The event organizer never responded to requests for refund from me and my friends and the credit card company Chase refused to open a dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance w/ the fair credit reporting act. the listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

I sent a letter to XXXX, transunion, and XXXX to reinvestigate this account : XXXX XXXX account # : XXXX however, transunion stated everything was complete and accurate but how is that possible if XXXX and XXXX had the accounts deleted due to inaccuracy and up to date the XXXX payment history transunion reports and much more is still reporting incorrect. 

15 u.s.c 1681 section 602a states I have the right to privacy.

15 u.s.c 1681 section 604a ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.

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.

15 u.s.c 1681c ( a ) ( 5 ) 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.

this account doesn't even report in compliance with metro 2 reporting which is showed within documents provided.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2022-03-09
Company: EQUIFAX, INC.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I filed a complaint with Equifax, XXXX XXXX, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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 feel that Experian did not do an investigation into my credit report and it is concernng. Experian was notified that there were some inaccurate accounts on my credit report that should be removed, but I have yet to see anything validated or deleted. I received an alert XX/XX/XXXX and XX/XX/XXXX that my account dispute was updated. Experian stated that the accounts in question met requirements of the FCRA but has yet to provide any documentation validating these accounts. The collection accounts are involved in litigation and should be removed immediately. I am asking for an investigation into the other closed accounts in question because I feel that Experian has not done their due diligence as far as providing documentation and any instrument bearing my signature. Closed accounts are reporting past due balances when they shouldn't be and the accounts in collections do not reflect the correct balance. Please validate the accounts or delete them from my credit report. I have attached the letters that were sent to Experian for reference. The XXXX collection accounts in litigation are XXXX XXXX XXXX and XXXX XXXX XXXX. I will be seeking damages for the inaccurate reporting.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-12
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 have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation