BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Home Address : XXXX XXXX  XXXX SSN : XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX credit report by your company that I did not authorize ) XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a XXXX citizen with a Wells Fargo bank account. I used to own a vacation home which has been sold. I need access to the account to move money and see my bank statements. Wells Fargo introduced an additional layer of security which involves texting a code to a cell phone number. My cell phone number is XXXX, the software they have does not recognise my number. The result of this means I cannoytt see my bank statement nor can I use the account to transfer money. 

I have spent about 10 hours making calls to Wells Fargo and I have now been told that my account will be closed and unless I am able to come to the XXXX I will lose my money. As I am sure you are aware due to Covid restrictions I can not fly to the XXXX. I have attemped to make a formal complaint and thus far I have been 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 2023-01-15
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I reached out XX/XX/XXXX because my accountant I was concerned about overdraft - {$250.00}. This is the first time I have been in a hardship and overdrafted. I received overdraft fees today XX/XX/XXXX which raised the balance of - {$350.00} three of the fees were reversed which brought it back to XXXX. It still puts my account in the negative. I still have no way of putting money in my account to turn it positive. I have been a loyal customer with chase for over 10 years and I have never had any issues. I reached out again explaining that a merchant had sent out a payment expected to be processed on XX/XX/XXXX they were unable to stop the payment. An agent through chase said she can do a stop payment but it would be a {$30.00} which still puts me in a negative. No one has been able to help me keep my account in good standing. Im about to start looking elsewhere to do my banking needs and banking business if this doesnt get solved. This is the only checking account I have on file and this is where my payments come out for my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted XXXX  and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.

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 2023-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Paid for a cruise at XXXX XXXX with my Wells Fargo account two days prior to set sailing the cruise canceled my reservation mind you I had boarding passes and the balance was paid in full, I called XXXX and they told me there was nothing I can due contact my financial institution and they said they wasnt giving me my money back which was over XXXX $ I contacted Wells Fargo the put in a claim against them and gave me a credit to my account just to reverse the credit and say I didnt win that case because I authorized that payment with XXXX and not my account s negative

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-11-17
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has no problem being in constant violation of the Fair Credit Reporting Act ( FCRA ). The rights that protect Victims from Identity Theft is and has been being ignored by Experian. Experian illegal acts need to be stopped, immediately. The Victims of Identity Theft are being ignored. The Victims of Identity Theft are being laid to rest to stay as Victims to those who have stolen their Identity. Experian is leading the way for these Criminals to continue to commit these acts of Identity Theft without anything being done by Experian. The Fair Credit Reporting Act ( FCRA ) of 15USC 1681C-1 ( FCRA Section 605A ), 15USC 1681C-2 ( FCRA Section 605B ), FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1,15USC Section 1681 ( FCRA Section 604A ( 2 ) ) means nothing to Experian. These same Acts that are in place to protect the public from Identity Theft are the same acts Experian are ignoring. The public will stay and be Victims of Identity Theft even with Legal and Verifiable Documents IdentityTheft Police Report and an Identity Theft Report from the Federal Trade Commission ( FTC ). When will this abuse of power and authority stop to be stopped by Experian?

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 2022-10-12
Company: AMERICAN EXPRESS COMPANY
State: NV
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 XXXX someone was able to access my AMEX online account to take my bank information off and add theirs instead. They had a totally different name and bank information from me as well. The person on the account has a womans name, which I am not. I have never seen or heard of this person or bank ( which I later found out was a XXXX XXXX  account ) before. This person tried to make payments in the amounts of {$1200.00}, {$340.00}, {$300.00} and {$17.00}. Because they did not go through AMEX hit me with 4 returned payment fees. I only found all this out days later when I accessed my account. I reported the fraud to AMEX and was told not to worry about the payments as they did not go through but that they were unable to reverse these fees as my bank needs to do that. This was NOT my bank. I even called this bank and verified that I do not have an account there in case someone was also trying to impersonate me. I asked them for more information on this account and person and I was told they could not give me that information as they had to protect their customer. I have the name and partial account number as shown on my online amex account much to my surprise when I logged in. I have changed my password, received a new card and put MY bank back on there since but as these payments were obviously not me I do not know why AMEX will not reverse these fees totaling {$110.00}. I have called there multiple times and have gotten no resolution as of yet. This has been going on for a month now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A fraudulent capitalone account was opened in my name inXX/XX/2022 acct # XXXX the contact information phone number adress none of it belong to me I disputed with the credit bureau and the creditor capital one I filed a police report identity theft report sent this information certified mail to prove this crime took place I then called to check on the progress of having it removed from my account spoke to 4 people before being told they were not going to remove it from my credit report when I have submitted everything required by the federal law and Fair Credit Reporting Act capital one still refuses to remove this item they are in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX, XXXX XXXX  stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/2013 in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : XXXX ILCS XXXX ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per XXXX ) Once again XXXX XXXX XXXX XXXX XXXX  their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the XXXX Insurance that my parents paid for on XX/XX/2013 in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and XXXX XXXX  in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was XXXX, XXXX, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys www.logs.com and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/2013 in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )

Company response to consumer: Untimely response
Consumer complaint received 2023-01-15
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
After learning that my rights as a consumer were violated in several ways. I rescinded my contract with Flagship Credit acceptance, I noted that I required a remedy for the furnishing of a deceptive and fraudulent contract and other violations according to Law. The notarized affidavit I sent to them on XX/XX/2023. Without a response to my affidavit to Flagship credit acceptance, my car was repossessed XX/XX/2023.

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 2023-08-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
About three months ago, I noticed that I was being charged double interest rates for purchases and advances! I went to the bank and met with a service clerk and he could not explain, so he called the bank main office and we were put on a conference call. The bank main office tried to explain it to me, however, it did not make sense. Hoping the problem would go away it continues the exist. This is an example of how the charges appear on each monthly statement! 
XX/XX/18 INTEREST CHARGE ON PURCHASES {$180.00} XX/XX/18 INTEREST CHARGE ON CASH ADVANCES {$110.00} Although I try to make my monthly payment every month, I will never be able to pay off this debt because it appears that the payment is going to interest only!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX, we applied to Truist Bank for a conventional loan to buy a new condo unit. We had a locked-in rate and the loan had provisional approval and then a closing disclosure. Although we had sold our current condo and had cash in hand for a 50 % downpayment, Truist notified us THE DAY BEFORE SETTLEMENT of a delay in the loan. Truist then continued to issue a series of delaying closing statements. This put us in a very difficult situation with the sellers, and we had to reschedule the settlement and pay penalties. When it appeared that Truist delays and lack of transparency would cause us to also miss a second settlement date, we looked for an alternate lender. That lender gave us a loan within 10 business days, while Truist continued on for a total of 76 days until a final denial was received by snail mail. Unfortunately for us, interest rates had gone up in that time, so we were the losers. 

Our complaint to Truist resulted in only a small refund of the appraisal fee and " regret '' for our stress and frustration.

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 2021-01-19
Company: Mountain Run Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, Mountain Run Solutions, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor ( Mountain Run Solutions ) created a fake balance to try and force me to unlawfully pay. Mountain Run Solutions also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was {$420.00}. This account is over 10 years old! Not only that, Mountain Run Solutions misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
Mountain Run Solutions may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with Mountain Run Solutions and again, they are falsely claiming that I owe them {$960.00}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and XXXX  is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with Select Portfolio Servicing who are the so called servicer to a loan that they have yet to prove they own. I have been trying g to get a loan modification or any type of help to avoid my house being sold. They have constantly been violating my rights and are violating the dual tracking law. They are refusing to have me speak with someone who can look at my account and explain to me the questions l have. Their customer service is not helpful because will constantly tell you they cant help you. Their ombudsmans department died t get back to you. Time is running out for me and I dont seem to have any help. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation