BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My cousin XXXX XXXX changed my father 's will to steal all his money for XXXX XXXX. XXXX XXXX is now covering up the fraud in the probate.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ACCOUNT XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX. NY 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 2023-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, In XXXX I financed a XXXX XXXX XXXX XXXX ( Vin # XXXX ) with a {$3000.00} down payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX. 

With the recent and also past lawsuits that Credit Acceptance Corp. has been involved in ( according to multiple national news networks ) has made me take another look at my contract with them in XXXX. Not only did I notice my APR was at 23.99 % but there was an optional extended warranty for {$1400.00} and a optional GAP protection for {$630.00} somehow was added to the contract. Knowing that these extra useless expenses that were added, would eventually cause me to default on the loan.

I believe that C.A.C. is in violation of Wisconsin State Laws regarding " Usury '' with this contract. I will attach a copy of the contract to this complaint. And I will be providing Wisconsin XXXX Attorney General a copy also. Thank you for your time. 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 2023-07-02
Company: Experian Information Solutions Inc.
State: TX
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 violation. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: CITIBANK, N.A.
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:
XXXX XXXX XXXX  Event was oversold, a safety hazard, delayed start and the tickets were not as described. Citi never sides with me and I had to reach out multiple times to the CFPB for them to give me a proper response. This time when they responded I was in XXXX XXXX  and was unable to provide the evidence they required. I would like to be able to provide the evidence required so I can get a refund.

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 2023-09-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX XXXX WE ARE IMMENSLY OUTRAGED AT THE SHEAR INCOMPTENCE OF PHH MORTGAGE AGAIN!!!!!!! THIS IS WHY WE DONT BELIEVE WE ARE IN ARREARS IN OUR PAYMENT. THEY DO NOT AND CAN NOT GET PAYMENTS CORRECTLY/PROPERLY PROSCESSED. 


FIRST : WITH OUR XX/XX/2023 MORTGAGE ( SEE ATTACHED DOCUMENTS WITH HIGHLIGHTS ) THE STATEMENT INCLUDES A LINE FOR OUTSTANDING UNPAID LATE CHARGES ETC. OF {$7.00} ; THERE IS ALSO A LINE FOR ASSESSED EXPENSES OF {$940.00} AS WELL AS THE REGULAR MONTHLY PAYMENT {$4200.00}. I ENCLOSED A XXXX CHASIER CHECK IN THE AMOUNT OF {$5200.00} TO COVER ALL OF THOSE FEES WHICH NEVER SHOULD HAVE BEEN ASSESSED IN THE FIRST PLACE. I ALSO ENCLOSED A NOTE INDICATING THE BREAKDOWN OF THE CHASIERS CHECK. 
DO YOU THINK ANY PERSON WHO PROCESSES THE CHECKS CAN READ! OF COURSE, NOT THEY DEDUCTED THE MONTHLY PAYMENT AND THEN PUT THE REST IN THE SUSPENSE ACCOUNT AND NOW ON THE XXXX STATEMENT THOSE FEES I PAID LAST MONTH SHOW UP AGAIN!!!! 


SECOND : I HAD A CPA REVIEW ALL THE STATEMENTS PHH MORTGAGE SENT ME AS WELL AS ALL OF MY DOUCMENTS AND HE COULD NOT LOCATE ANY MISSING PAYMENTS. I AM GOING TO CONTACT A FORENSIC ACCOUNTANT TO ESTABLISH WHETHER WE OWE ANY MISSING PAYMNETS. 


THIRD : WE ARE IN RECEIPT OF THE FORBEARANCE PLAN FROM THE COMPANY. ITS VERY APPARENT WHOEVER PUT THIS PLAN TOGETHER DID NOT TAKE INTO ACCOUNT THE {$2600.00} CURRENTLY BEING HELD IN THE SUSPENSE ACCOUNT. 
I WILL TELL YOU WHAT WE ARE GOING TO DO WE ARE GOING TO CREATE OUR OWN FORBEARANCE PLAN AND WILL INCLUDE FUNDS THAT GO DIRECTLY INTO THE SUSPENSE ACCOUNT AND AS IT REACHES THE MONTHLY PAYMENT AMOUNT IT WILL BE CREDITED TO OUR ACCOUNT AND WILL COVER THE PAST PAYMENTS OWED. 
DO YOU THINK YOU COULD HAVE GONE OUT OF YOUR WAY AND TAKEN THE FORBEARANCE PLAN OUT TO 9 MONTHS! YOU OBVISIOULY DID NOT ACCOUNT FOR MY LOSS OF INCOME OR INCREASED EXPENSES DUE TO INFLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone was able to use my email and personal information to open a Wells Fargo Active Cash XXXX Card on XX/XX/2023 for {$14000.00}. This was not me, and when I tried contacting the bank about it they assured me they saw my info but no account was opened. Transferred me to multiple numbers and no one had any actual answers or resolutions. They also allowed a balance transfer in my name of XXXX. Ive never had a Wells Fargo account nor would I open one. Today I received a phone call that my account, that they assured me didnt exist, was no frozen for fraudulent activity.

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 2023-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I went to where I bank locally to open an Health Savings Account. I wanted to move my HSA account from " XXXX XXXX '' ( a division of Webster Bank, N.A., located in XXXX, Wisconsin ), because local banking is more convenient for me and their customer service is great.

A financial customer service officer at my local bank opened an HSA account for me and also prepared and submitted online all the necessary documents to transfer my account from XXXX XXXX on XX/XX/XXXX. Also, to ensure the process of transferring my account from XXXX XXXX was underway, the local bank financial officer and I called XXXX XXXX to confirm they had received my request. XXXX XXXX confirmed that they had, then immediately expressed strong opposition to moving my money, wanting to know why and trying to convince me I should stay with them. I let XXXX XXXX know that I was not going to stay with them, period. XXXX seemed to begrudgingly " accept '' hat I wanted to move my money. When I asked how long it would take to transfer my account they stated it would be finalized within 6-8 weeks from the date of receipt ( XX/XX/XXXX ). 

XX/XX/XXXX was the 8 week period XXXX XXXX declared was the maximum time frame needed to finalize the transfer, and yet by this date it had still not happened. 

On XX/XX/XXXX, I called my local bank wondering what else, if anything, needed to be done on their part or mine to make this transaction happen. My local bank said all they could do was wait, but that I should give XXXX XXXX a call to find out what to hold up was. 

I called XXXX XXXX on Friday, XX/XX/XXXX. Their customer service rep. confirmed they had received the request XX/XX/XXXX, confirmed it was well past the maximum 8 week period, additionally confirmed that nothing had been done on their end. The rep. said they would expedite my request and call me back no later than Wednesday, XX/XX/XXXX to confirm that they had completed the transaction. I received no call back. 

I called XXXX XXXX again on Friday, XX/XX/XXXX. I spoke with the SAME rep. who had promised to make everything happen and call me back on XX/XX/XXXX. They aknowledged they had not followed through, apologized multiple times and stated they would " make it happen today! and call me back to let me know they had taken care of it. '' Again, I received no call back. 

As of today, XX/XX/XXXX, it's been 12 WEEKS and XXXX XXXX has still not transferred my account! 

P.S. You should check out online consumer reviews that have been posted about XXXX XXXX. Apparently what I've run into, and even more types of bad behavior!, have been experienced by countless other people. An absolute mountain of TERRIBLE treatment of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
On XXXX Wells Fargo debited my account without funds available placing my account in the 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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I paid {$150.00} annual fee. In XX/XX/2023, Capital One decided to close my credit card without disclosing one. Capital One did not refund the annual fee, did not pay out the {$200.00} statement credit for spending {$200000.00}, and held on to my credit balance of more than {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They closed my account I had dem for years they was overdraftin me they garnished my money that was deposited

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off credit card by {$3500.00} too much. I want this money placed into checking held with same bank. When you call they say an email will be sent over and it needs to be requested via this proccess. However no email is ever sent out. When you call they say that there is no one you can talk with to help. It all needs to be done via email. It is already in the system and you just need to wait for it. No matter how many times you call no email is ever sent. When you make a payment to the credit card from checking held with same bank it happens right away. Looks like they put a proccess in place where you can't get your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Accounts that were opened without my knowledge or permission by a person close to me, whose identity I prefer not to disclose, have negatively impacted my credit score. The Federal Trade Commission ( FTC ) has assigned the following report numbers to this identity theft case : XXXX, XXXX, and XXXX. The unauthorized accounts listed below have caused me significant financial distress and I demand your immediate action in investigating and rectifying this matter : 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Capital One remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Capital One card for over five years and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX please remove the inquiry from my credit report.

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 2023-07-02
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
on XX/XX/XXXX, i went to XXXX XXXX of XXXX to purchase a vehicle, a XXXX XXXX XXXX for a total cost of {$18000.00}. I presented my pay stubs for two weeks which showed a monthly income of $ XXXX sales rep. XXXX XXXX filled out the application and came back with an approval from Ally Financial. The transaction was completed with me signing the remaining paperwork. A short while later as i applied for other things, I noticed I was consistently denied, it wasn't until I was trying to get a consolidation loan that I was made aware that my debt to income was well the over limit. and the agent helping me with my budget asked me how I was able to purchase this vehicle off of my present income. It was then that I began to read over the retail purchase contract and discovered that the sales rep. XXXX XXXX had more than double my monthly income in order for me to qualify for the purchase of the vehicle. The sale rep committed fraud to the Lender Ally Financial as well as myself and has caused severe damage to my credit. This was immediately reported to Ally Financial fraud dept.

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 2023-09-07
Company: MMG Law Group, PLLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call today at XXXX claiming to be a law firm and collecting a debt that is not mine. They produced personal information that was apparently on a loan application, which they believed to be valid. I indicated I was not party to this loan and have never heard of the loan provider. I also indicated there was no other attempt to collect on this fraudulent loan which they claim is approximately 3 years old. I did inform them I did in fact have fraudulent claims of debt in Summer of XXXX  with a different company with a similar claim. In the summer of XXXX  I froze my credit reporting and also filed fraud alerts with the three reporting agencies. 

I do not know of this loan company " American Web Loan ''. 

The debt collector claim to be a law firm " MMG Law Group , PLLC '' This debt does not not belong to me. 

I have since re instated the credit freeze and filed fraud alerts with all three credit reporting agencies. 

Than you for your attention in this matter.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Even though I had a credit freeze AND a fraud alert in place, TransUnion gave my information to XXXX which then used it to open a false account which was used to extend significant credit to an ID thief which still stands to this day. I have asked for an explanation before and I only got vague answers so I will be very specific and am requesting a response through the CFPB : 1 ) Why was my information give to XXXX as I had a credit freeze in place? 
2 ) Why was my information give to XXXX as I had a fraud alert in place? 
3 ) EXACTLY what was done as part of your " investigation '' into the XXXX account that caused you to side with them after I told you your information is wrong and absurd? 
4 ) When/If you are able to verify that XXXX opened a credit account for me with the information you provided, what will be done to make sure this does not happen again?

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