BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2021-01-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a MoneyGram of XXXX $ USD to a person on Sunday, XX/XX/2021. After my receiver had difficulties retrieving the money ... On Wednesday, XX/XX/2021 I went to the location where I purchased the MoneyGram, which was XXXX, to cancel the transaction and get a refund. The XXXX  manager informed me the system was not allowing them to refund me due to a verification issue popping up and they advised me to call MoneyGram directly. I called MoneyGram directly and was told there was a verification issue and my transaction funds could not be released nor refunded until they spoke with my receiver directly. After me providing the MoneyGram operator with my receiver 's phone number ( which they asked for ) so they could reach out to resolve the issue, they failed to reach out. My receiver also made attempts to call MoneyGram directly themselves and nothing was still resolved. And my receiver also went in person to his MoneyGram pickup location in person, and no one was able to help him there either. After 3 days of numerous phone calls ( that I have an entire log of ) to MoneyGram and talking to dozens of different people all telling me different things, it is now Saturday, XX/XX/2021 and my issue still has not been resolved and I have yet to been able to go receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SYNCHRONY FINANCIAL
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 a PayPal/Synchrony Bank card that was settled through a settlement with XXXX XXXX on XX/XX/XXXX of XXXX that I have disputed with the company and the credit bureaus that has not been updated to show that it was paid in a settlement I have the settlement letter and nothing has changed I want it to show paid in a settlement for less than the full amount and it will not update properly I also have an Amazon/Synchrony bank card that was settled with XXXX XXXX and that was paid and closed out by XX/XX/XXXX and that also was disputed to state paid for less then full amount and this also has not been updated and I have disputed this as well I have proof of both of these accounts to show that I owe nothing and they were both " settled '' and I want this status updated on all of my credit reports. 
It seems that Synchrony Bank is not doing their job and disputes are not resolving this either!

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 2023-10-20
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The property in question was sold through a short sale in 2008. California has since outlawed the collection of a deficiency balance for a primary residence after conducting an approved short sale. Collection of this debt is illegal under California law and this company is now bringing it back and damaging my credit some 15 years after this transaction was completed. Unfortunately, given the age, I am no longer able to locate documents from the completed short sale though they have sufficient records to confirm the loan was closed and lien released based on an approved transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: WA
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:
On the date of XXXXX-2018, I had checked my credit information on the website XXXX XXXX XXXX And I have found some incorrect information regarding my name and my information used. The name that was used its spelled XXXX XXXX along with the address XXXX XXXX XXXX XXXX XXXX, XXXX SC. That is not I so I feel as if somebody is using my information under that name for identity theft.

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 2023-01-22
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
DISCOVER has violated the terms of our contract by refusing payment to my account in the form of negotiable instrument and has closed the account without my knowledge or consent and reported the account as delinquent to all three credit reporting agencies. 

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. 

DISCOVER ( Card # 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.

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. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: U.S. BANCORP
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I was supposed to receive a new corporate travel credit card, a Visa card through US Bank, in the mail and it was accidentally sent to my old address ( address I lived at 5 years ago ). Somehow the card was intercepted or stolen. The person who stole this card must have also looked up information about me, because they called in to activate the card and set up a PIN number, using the last four digits of my social security number. On XX/XX/21 at XXXX, they then went to a US Bank at XXXX XXXX XXXX , XXXX XXXX , XXXX, and attempted a cash advance of {$1000.00}. That was blocked. They then tried a cash advance of {$500.00} and it was successful. Apparently they also called into the credit card company pretending to be me and tried to get the card unblocked. On the morning of XX/XX/21 I received an email from my corporate finance office that they received an email from US Bank that there was suspected fraudulent activity on my account. I immediately called in, we cancelled that card, they updated my address, and they sent me a new card. I also ask that each time I call in they ask for another identifying information this person wouldn't know, such as my employee number. Because they told me that this person may have personal information on me, I also immediately put a freeze on all my credit reports so that they would not open an account in my name. I have also changed passwords on all my other accounts, and have been monitoring them regularly. So far there has been no other suspicious activity on any other account. A few weeks later, I got a letter from US Bank denying my fraud claim, and holding me responsible for the {$500.00} cash advance. They have told me I have no recourse. I would like to add that I have never used this card for a cash advance, I only use this card for corporate travel which I have not done in over 1.5 years. I also don't use this card in my hometown, except for maybe rides to the airport, as it is a corporate travel card. I have no pattern of this type of use, although the claim rejection letter said that their decision was based on the location and pattern of use.

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 2023-12-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have Citi bank Advantage card and I would like to close. 
But bank already applied early fee {$99.00} and my. computer automatically paid it. I asked to cancel that card and credit that fee.

I am good customer for many years with bank and have 2 more Citi cards. I did not paid last year for Advantage card and did not expect fee for that year. 
By talking to bank I did not get any help at all. 
I am retired and I can not allow myself pay additional fee with I can not pay for other cards. 
Thanks

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 2022-01-14
Company: EQUIFAX, 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 one late payment in 2020 during the COVID period, XXXX XXXX  XXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First, I had to pay {$50.00} several years ago for an account that I didn't open. 
Second, I deposit my paycheck and they put a hold for 12 days on for no reason because when I contacted the bank that which it came from that had told me that it was cashed the day it was deposited. And I'm still waiting for it to clear. This is the second time it happened and it's all been lies. They hold my checks and blame the other bank that which it came from.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We received an {$800.00} check for wrongful foreclosure during the government order but never received the compensation that was court order in the lawsuit. Wells Fargo denied loan modification and independent adjusted said we did under class action lawsuit we still have the paperwork we got with check. Wells Fargo decided not to honor settlement saying they thought they were right

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 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One is still reporting a charged off account with balance due when I have court documentation that it was a repayment agreement that has been paid in full. This has adversely affected my credit for the past year. Have tried through credit reporting agencies to get this fixed with no success even though I have the actual court document saying that this is paid in full. This credit card company is a bully and you all let them get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is Equifax, XXXX, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued phone calls from Superfleet collections with the intent to harass and annoy and to tie up phone line. They call from XXXX. They called yesterday and I provided payment information to 4 different people yesterday. The last person I spoke with yesterday told me the account would be noted and that the calls would stop. Today when they first called, I explained that I had spoken with them 4 times yesterday, and provided them the payment information 4 separate times. I asked for them to cease and desist calling. The lady laughed at me and said the calls would continue and she hung up on me. I called the number back and asked to speak with a supervisor and a gentleman refused, spoke over me, and said they would continue to call until the payment was received. I have received five phone calls today from XXXX - XXXX XXXX. One time they actually called using two different lines at the SAME time. I then called the XXXX number to file a complaint. I spoke with a supervisor at Superfleet and then also to the cancellation department ( account was supposed to have already been cancelled ). The cancellation department ( XXXX XXXX ) informed us that they were aware of NATIONWIDE mail delays from the United States Post Office and this was happening all over. However, they continue to harass and charge exhorbitant late fees to their customers - even customers like us that have NEVER been late on a payment and pay their account in full each and every month. We asked them to ensure that the calls do not continue.

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 2019-06-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have multiple accounts with Wells Fargo and have requested all my accounts be reported to me on one complete statement. I have requested for the last 3 months that my current mortgage # XXXX be added to my complete account statement checking # XXXX. WF has responded they can not provided this service - this is not true, my last 4 mortgages were added to my complete statement. WF then responded it was against the law to add my mortgage statement to my complete combined statement, this is XXXX XXXX crazy response from WF. I was then advise it would take several months, this is also a lie, my previous 3 mortgages were combined with all my other accounts on one statement the same month the mortgage was created.

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 2023-01-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2022, I was a finalist for a CEO position and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. I am formally complaining that this credit report is being reported by Equifax and a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry as I was not seeking credit. I have called XXXX XXXX and requested they fix this error and have not received a call back from them. After not receiving a message from XXXX XXXX I filed a dispute with Equifax and it was denied. I am requesting that this inquiry be removed from from Hard Inquiry which would remain on my report for another 13 months and continue to have a negative impact on my credit score as if I were attempting to over purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
hello, the problem is with Paypal i was seller on it after 2 months i got limited and receive message told me to wait 180 days before i can withdraw my money XXXX USD, but before the period given by paypal XX/XX/XXXX transferred the fund to him self on XXXX XX/XX/XXXX, my funds now XXXX without any notification or email when he did that. 
check the captures & the trensfer doument.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
They over charge my account

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 2021-02-04
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
On XX/XX/2020, I tried to redeem my American Express membership rewards points for a flight reservation through the American Express travel portal but the points redemption didn't go through. Upon chatting with a representative, I was advised that my membership rewards account has been flagged for review when I tried to redeem my points and that this process can take 6-8 weeks.

It's been 8 weeks and my account is still under review, I'm not able to use my points. It's worth noting that I didn't receive any signup bonus that needs to be reviewed to determine my eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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 do not own these debts and have have submitted an identity theft claim Collections : 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