BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-02-20
Company: Bread Financial Holdings, Inc.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a purchase at XXXX for {$17.00} ( Including Cal Tax ). On XX/XX/XXXX, I returned the item with full refund and bought another item for {$58.00} ( Ca tax not included ). Therefore, the new receipt should be ( $ XXXX {$17.00} ) + Cal Tax The correct bill should be : {$40.00} + Ca Tax XXXX + {$3.00} The correct bill should be {$43.00}. Here attached are the related transactions. 
As soon as I noticed Comenity Capital/Sephora overcharged me, I took my receipts and confronted the manager at XXXX, XXXX XXXX XXXX Ca. Unfortunately, the manager said they don't take care of errorneous billings. So, I tried to contact Comenity Capital in writings on XXXX. Unfortunately, they did not take much action to correct it. They responded in a letter dated XX/XX/XXXX saying they will take 90 days to investigate and at the same time, they keep sending me new bills with piling interest on my account and reported my account as delinquent at XXXX.This kind of action is very unethical. This is a harassment. I am willing to pay what I owe, which is {$43.00}. See attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: ALLIANT CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/2023, I logged into my on line account with Alliant Credit Union, Member care center : XXXX Corporate offices : ( Not open to the public. No branches or ATMs. ) XXXX XXXX XXXX XXXX, XXXX, IL XXXX When I log in, an access code is sent to my phone. I did not receive the text, and per the message online, I tried numerous times. I was then locked out of my account and called customer service ( in the XXXX  of XXXX ), only to be told that the XXXX XXXX department would not be in till XXXX am on XXXX.I called Monday morning, was told there was nothing they could do, and it would take XXXX for the XXXX department to respond. Fast forward XXXX hours + to today, was just told again that I am unable to access my account, and they could not give me access and another " ticket has been sent to IT and hopefully by Friday they will have an answer. I have over {$120000.00} in XXXX 's with Alliant and this is an outrage that I have no access to my account, and it's been 4 days without an answer/correction to allow me to do so..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 a 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an American Express prepaid E-gift card. For a period of time I was able to use it, however, at the time it had {$45.00} ( roughly XX/XX/ ) it began being declined online in stores where I had previously been able to use it ( specifically XXXX ). I called the company and they recommended that I try using it in another online retailer. I tried this an it was declined again. I called two more times, where they recommended I try in-person and through an XXXX XXXX, both of which were declined. 

When I reached out again, they said they were unable to help me and when I asked to be transferred to someone who might be able to, they transferred and then hung up on me. They also seemed to have removed the refunds on transaction fees that they had previously made for me from my transaction ledger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to XXXX XX/XX/XXXX response XXXX. The company finally provided a breakdown of how my payments were applied for XXXX & XXXX. I still have concerns about how my payments were applied but I will try to get a resolve from the company. 

I have signed and notarized the Partial Claim documents as instructed in the XXXX response. Ive returned the original document, plus two additional copies to the address provided in the response. The post office confirmed receipt of delivery on XXXX - see attached document. 

Just to confirm what youve explained in previous complaints, an extra two months of mortgage payments were added to the partial claim amount to allow for processing, and that I am to skip making payments for two months while the partial claim is being processed. Please confirm that youve received my documentation and when I should resume making monthly mortgage payments.

Ive tried to confirm the info by calling your office. I spoke to XXXX on XX/XX/XXXX at XXXX PST and she advised me that I had to speak to the special loan department. I was then put on hold and XXXX came back saying she needed to transfer me to Loss Mitigation. I was placed back on hold another 6 minutes of silence then an automated message played advising someone would be right back with me. After 10 minutes, XXXX answered. I asked XXXX if my Partial Claim documents had been received and processed. XXXX asked when I had mailed them out. I advised her that the United States post office confirmed the documents were delivered on XX/XX/XXXX. XXXX says she would check the system. I waited and after 5 minutes she advised me that she needed to place me on hold. XXXX then asked me which documents I sent back, after I explained which documents Id returned. XXXX then asked what address Id mailed the documents to. I advised her that Id mailed the documents back to the mail to address in XXXX, TX on the Partial Claim documents provided in the companys XX/XX/XXXX response. XXXX then stated that she didnt know if that was the right address? She then asked me if I was sure the documents Id returned were not a loss mitigation packet?? I asked to speak with a supervisor, XXXX said she would try to get one and placed me on hold. XXXX came back 5 minutes later asking if Id take a call back. I explained to her that in the 50 or so times Ive asked for a call back I have yet to receive even one call back.

This feels like Im going thru the exact same madness I went through as explained in my very first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Attempted to purchase XXXXXXXX XXXX, as my insurance doesn't cover it fully. Found " XXXX  '' & sent them two separate payments via Zelle ( {$500.00} on XX/XX/XXXX and {$210.00} on XX/XX/XXXX, totalling {$710.00} ). Never received a confirmation of payment or order confirmation. Sent customer service email on XXXX regarding order, no response. Also, tried several times to " chat '' with a " representative '' online. I no longer have that option - - chat box is gone. 
Emailed Zelle twice ( XXXX and XX/XX/XXXX ) and called Zelle customer service on XX/XX/XXXX without any real answers. Zelle just tells me they'll " investigate the situation. '' When I got no where with Zelle or the seller themselves, I filed a complaint with the California Attorney General as well as attempted to file a dispute with my credit union XXXX XXXX XXXXXXXX XXXX XXXX As of XX/XX/XXXX, at the time of this complaint, I have gotten no where as well as no news on a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: SUNCOAST CREDIT UNION
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:
They are merging debit transactions into ach and charging nsf fees as if a check was processed. No checks were written, no bearer documents processed. All fees were charged against automatic clearing house transactions or debit transactions. The fees are therfore illegally placed under laws describing and allowing said fees against checks. Furthermore none of the fees are the result of any real world loss or payment by the bank such as covering said transactions. Fees total {$140.00} for 5 alleged attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified that a credit card account was opened under my name. I immediately contacted Wells Fargo and was told they would do an investigation. Over a month has gone by and my credit report is still reporting an open account from an address I do not recognize. Wells Fargo has sent me a regular card statement but has not contacted me to give me an update and has not told me whether the card is closed. I am concerned this is on my credit reports and that it may be used for fraudulent purposes

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : My name is XXXX XXXX I currently have a mortgage loan with Wells Fargo, due to XXXX I missed some of the mortgage during XXXX and XXXX. Wells Fargo re adjust my loan move the payments to be made at the end of the current schedule mortgage payments and refinance. I want to see if everything in my loan is ok, if I didn't got extra charge and if I did I would like to know if I qualified for the current law suit that Wells Fargo has.

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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I AM FILING THIS COMPLAINT ON MY OWN BEHALF, THIS IS NOT A THIRD PARTY Capital One bank decided to stop making their " 360 Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the 360 account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old 360 account and the new Performance account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 2023-02-09
Company: EQUIFAX, INC.
State: PA
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 XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights.

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

15 U.SC 1681 Section 602 A Section 2- 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 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I actually just found out about being able to do this after my credit has taken a huge hit from these credit card companies that claim to have a zero fraud liability feature on their neither do they ask me if a purchase is me knowing that i rarely use my credit card. I had lost my wallet some time ago as time passed i would notice one card after the other was getting used and so i have been trying to call these companies but they either say the purchase was me and that i have to pay it or that they are going to send an afraid it for me to sign and list the purchases but they somehow magically get lost in the mail so i thought until like the fourth time around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT APPEARING ON MY CREDIT FILE THAT IS NOT MINE. 

ACCOUNT TO BE DELETED : 1. CREDIT COLLECTION SERVICES, # XXXX - Refer to your collection letter dated XX/XX/XXXX. I have never received a previous collection letter from CREDIT COLLECTION SERVICES violating my federal civil rights under the FDCPA by not allowing me to respond to their collection attempt. 

- Refer to my attached credit report where XXXX XXXX XXXX reported negative information on my credit file on XX/XX/XXXX, highlighted, to all three credit bureaus in direct violation of the FDCPA. This was three months before their attached XX/XX/XXXXXXXX  dated collection letter was sent to me via standard mail. 

- It should be noted that Credit Collection Services attempted to collect a debt in California without being licensed to conduct business in California per the Calffornia Secretary of State website, they debt was paid to XXXX XXXX XXXX in protest due to my XXXX XXXX dollar home purchase in escrow is in jeopardy of being canceled due to the above account dramatically affecting my credit scores. I have had to pay an additional {$13000.00} on XXXXXXXX  to keep my escrow open due to this negative and errored information being reported to all three credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: KS
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:
Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then XXXX, Experian and XXXX must remove these inquiries from my credit report. 

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 2023-07-31
Company: Possible Financial Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Possible Finance , Inc. ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

As of today, Monday XX/XX/2023, Possible Finance , Inc. has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was automatically declined for a US Bank checking account without explanation. This means I will miss out on their {$500.00} bonus sign-up that expires in 2 days. I have already had trouble and faced rejections for being a XXXX  woman from other banks as systems think my legal name change is fraudulent. I would like clarity and verification for the reason why I was rejected.

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