BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/XXXX, I checked my bank account as I prepared to pay my daughter 's college fees. I saw that the amount of {$6900.00} had been withdrawn from my bank account without my authorization. The transaction description said XXXX XXXX XXXX, XXXX. I called the number. It was a Wells Fargo number that would only be answered on weekdays. When I tried to report the fraudulent transaction to the bank, they did not create a claim. The fraud department put me through to the claims department. The claims department informed to that I needed to call the number because they could not create a claim without a merchant being listed. I explained to them that if there was no merchant listed that the bank needed to return the funds to my account since I did not authorize the transaction. I was told to call the XXXX XXXX XXXX number to receive further assistance. In addition, there is no option for me to dispute this transaction in my online banking account. When I tried to create a dispute this transaction was not listed. 
I am very disappointed in Wells Fargo and now understand how the victims of their fraudulent scandals in the past felt when bullied by this institution.

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 2022-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is not licensed to collect debt in New York State. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CCS Financial Services, 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 was promised over the phone by Credit Collection Services that if I paid the amount they were charging me, they wold remove the item from my credit report. And this was the only reason I paid, since I had absolutely nothing to do with the original charges. Mainly because I don't have or never had any business with Credit Collection Services, they don't have a single paper signed by me, and they simply can't verify the debt. 
And now comes the worst part, even after I paid a debt that I didn't recognize, they promised over the phone they would remove everything from my credit report, and then after I paid, they just failed to follow through with the agreement. More than a year has passed. 

I assume they are going to ask for more money so they can finally remove the item from my credit report. If they actually do. 

PS : For XXXXAccount number XXXX In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX 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.DELETE THE ACCOUNT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: I.C. System, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not my account this account had been removed from my credit and was readded by the investigator. None noticed me It was just replaced I had insurance with XXXX and XXXX and XXXX XXXX XXXX I moved out of state. This isn't 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 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just really want to know why I'm almost XXXX and I have no credit history and can't get a credit card or a loan because of it and what should I do or can I do about that please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MA
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:
Good Afternoon, Ive opened a dispute with the Experian credit reporting agency, issued on XX/XX/22 via USPS ( priority mail ). Within the declaration provided details of the incorrect information they were reporting that I was contesting. I provided substantial documents including my government issued state drivers license and social security administration card to reflect as evidence of the only personal information belonging to me. I must mention, that is the 4th attempt regarding this matter. This is the 2nd formal request to remove the addresses on file that they are reporting as they do not belong to me and I have never held residence to either. Additionally, I added to reflect the information that only belongs to me as reflected on the aforementioned documents provided to them. Experian is violating my consumer rights as they are reflecting addresses that do not/never belonged to me and refuses to remove these addresses and reflect the address that I only ever lived in the last 2 decades. Every other consumer agency complied with my request except Experian. This is legally wrong. Please launch an investigation into this matter and allow for the removal of the addresses that they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: WELLS FARGO & COMPANY
State: WA
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:
We are a small business and had a signed contract with a customer. All payments were made via the client 's credit card through XXXX. We delivered the product to the client, but it was slightly damaged during shipping. We hired a company that came to the client 's address and fixed the product at our own cost. The product ended up being upgraded and has increased its value. 

The client, however, made a chargeback of {$19000.00} on XX/XX/2021. XXXX  gave us only XXXX window to present our case and appeal the chargeback. As a matter of fact, the email XXXX sent us indicated that the money was ALREADY taken out of our bank account, without the XXXX window. 

We submitted all the paperwork to XXXX AND Wells Fargo proving that the chargeback was illegal. Stripe never followed up or requested any additional documents. The money was out of our bank account within a few hours. 

We called and email WellsFargo even prior to the chargeback, alerting them of the potential fraudulent chargeback, as the client threatened us. Wells Fargo told us to sit tight and wait for XXXX to handle this. 

We strongly believe that this was not handled properly and that we lost {$19000.00} due to the bank and the card processor 's negligence.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a request to XXXX and Transunion to removed erronous credit error on my report. I subitted supporting documents on XX/XX/2022. As of this date the problem still exists and it took over thirty days to eespond which menas it was the the 30 days period from their investigation. Therefore, It must removed the error from my credit report. I received and have in my possession a notary document stated that this account was in error and that the vehicle in question was recalled by the manufacture. I submitted proof to XXXX XXXX Transunion back in XX/XX/2022 and 60 days later it still shows as an updated file. They have not done anything to my account even though I submitted proof that XXXX XXXX screwed up. According to California law, the vehicle XXXX purchase was in fact a lemon by California standards, plus the Manufacture admitted that it recall the vehicle and didnt have the parts to fix the vehicle as of XX/XX/2022.

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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for a credit card way back in XXXX I was working a lot at the time and my credit was perfect I had no credit trouble. Then hard times came I bought a home over inflated in XXXX right before the housing crisis. Then work slowed so I had to cut back my bills. Unfortunately this credit card capitol one being the card was not at all trying to work with me, so I was left with no option but to not pay. They would take money and charge so much interest it was as if I never paid them anything. Then when I asked about making a deal I was resoundingly told no. So after 7 years I checked my credit report after years of abuse from creditors that I recently found out were banned from collecting debts in the first place! Phone calls at all hours, threats of credit ruin, threats of being sued, I was afraid to keep money in my bank account because I thought they would take it. It was really bad and I didnt know being in my XXXX that it wasnt legal to do that. Which brings me to my main complaint, I am now XXXX years old! This account is soooo old and it shouldnt be delinquent on my credit report still!!!! Even after a dispute they just said we dont agree with the dates the consumer stated were true! Outrageous! I opened this account when I was in my XXXX I am XXXX! They keep moving the date up of when I opened the account and it just keeps hanging on my credit report. Capitol one is the worst bank I have ever dealt with in my entire life! Please help if it is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015 I was turned down for XXXX and they said try your lender for a refinance. I was already in a XXXX Home Affordable Loan so i applied for another government assistance loan thru the Nationstar, my lender, website. No one contacted me from Nationstar but when i went to pay my XXXX bill it said regular payment and underneath had the trial payment also. i was confused. i called Nationstar but my home number and my cell phone number are controled or activated by Nationstar so it would ring right to my loan officer XXXX XXXX. I left her over XXXX voice messages to this day and i have never spoken with her. i made a full payment XXXX because i didnt want a late charge for under payment i called HUD to help me contact Nationstar and they got thru and we were on a XXXX way call and Nationstar told the HUD agent i was in fact on a trial payment plan til XXXX. I told them i was trying to reach my loan officer because that new payment is way to high for me and my family of XXXX. I have not received any documents or still any phone call from Nationstar. I dont want to wait til the trial ends and than it is to late. Once you refuse a trial payment plan when it is done you can not get another one offered to you. I need a lower payment. i never got to speak with anyone about this new XXXX XXXX loan. Nationstar just put it on my online account. I never spoke to anyone like my assisgned loan agent XXXX. I dont know if there is a better loan they can offer me. i dont know what the loan plan even entails when it is done. I need help.

Company response to consumer: Closed
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX closed business for 7wks, The lender offered a XXXX forbearance month. The proof is attached. I paid in XXXX AS AGREED. I was NEVER 30 days late. The documentation will corroborate the FORBEARANCE.

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 2021-12-23
Company: Affirm Holdings, Inc
State: FL
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:
Made a purchase from XXXX 's using the buy now pay later company called Affirm. The purchase was for {$660.00} but was approved for {$2000.00}. Only used the {$660.00} and now Affirm is demanding that I pay them on the value of the {$2000.00} rather than the actual purchase amount. 

I returned the items to XXXX 's and called Affirm to inform them that I had returned the purchase. I was told by the representative that I still have to pay them {$330.00} even though the items are returned and I have a return receipt. 

Affirm is a fraud and taking advantage of consumers. Affirm is demanding that I pay them {$330.00} when I have returned the items, have a receipt of the items returned. 

Affirm need to be honest and stop trying to dishonestly take money from consumers when they do not owe Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nicholas Financial Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXX and XXXX dollars - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
KIA MTR FIN is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( KIA MTR FIN 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 2015-12-21
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I requested and received a payoff quote from Nationstar. I transferred the money into my account and sent payment by express mail on XXXX XXXX, and it was certified received on XXXX XXXX. After not seeing the funds paid to my account, I called on XXXX XXXX and was told not to worry, that it could take up to XXXX business days to appear. This did not happen, so I called back on XXXX XXXX, and was told they 'd tracked down my check and my account number had not been recognized, but that it would be credited to my account and posted as of XXXX XXXX within three business days. Again, this did not happen, so I called back on XXXX XXXX and was told they would expedite the processing and this would be completed within 24 hours. This has still not happened as of today, XXXX XXXX. I 'm currently working with a customer service rep for Nationstar via social media, and it has taken all day without any update. I have a closing to sell my condo on XXXX XXXX and am very frustrated but also concerned that the closing will be postponed because of the several weeks it has taken for this company to process my payment to pay off my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
-XXXX XXXX XXXX XXXX XXXX$440.00} XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-02-04
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Around XXXX I opened an account with my XXXX on as an authorized used with a debit card, XXXX had a past child support order from XXXX, we married in XXXX and I did not think they would XXXX my bank account due to XXXX wages being garnished. 

On XX/XX/XXXX I was checking my account online and noticed LEVY for {$73000.00} How California LEVY my account as the primary person and XXXX on the account and this Child Support Case is XXXX XXXX XXXX and I never knew the XXXX  then, I marry an individual XXXX lays all this out to me and California Child Support Services include me and garnish all my rent and bill finances that I earn to pay our bills for living? This should be illegal! 

I have to be subject to my XXXX for an incorrect child support amount while they garnish XXXX wages and put a XXXX after XXXX years of marriage? This is unlawful! 

I need answers from ARVEST Bank and California Child Support Services. 

My personal individual tax return is at stake for something I have nothing to do with.

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 2015-12-21
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar has repeatedly made erroneous charges to our mortgage account, continue to bill us for tax and insurance escrow though we pay our taxes and insurance directly to providers/county and they have reported inaccurate information to the credit bureaus ( ie. stating our account was discharged with a bankruptcy when it was not, showed our account paid in full when it is not and then ultimately deleted the reported account entirely rather than correcting it when a dispute was filed ). NationStar 's practices seem predatory and their telephone staff spend an enormous amount of time transferring us with no resolution to issues.

Company response to consumer: Closed with explanation