BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received XXXX calls from the number listed on the official Wells Fargo website ( XXXX ). The first I did not pick up, but when I picked up the second time, the agent claimed my funds were at risk of being stolen. In order to protect them, I immediately needed to wire transfer my money to a secure Wells Fargo account. 

On the same day, I returned a call to Wells Fargo and was informed that the transfer was fraudulent. On that same call, I filed a claim and was told a reverse wire would be requested upon my submission of the claim. 

The fraudulent transaction robbed me of my entire savings and checking accounts. They informed me that the case would would be resolved in XXXX days, and that I would receive a call the evening of the XXXX to discuss the case. I did not receive a call that evening, and I called the number they provided for me ( XXXX ) on XX/XX/XXXX. No one answered. I called again on XX/XX/XXXX and was told that XXXX of my reverse wire transfers was only submitted today ( on XX/XX/XXXX ). My call on this day was transferred back and forth between the Wells Fargo customer service extension and their fraud extension with the intention of receiving more information, but I was told I would need to wait the full XXXX days before receiving more information on my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and Experian ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.

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 2022-09-06
Company: Americas Car-Mart, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, we received a Citi Welcome package showing the rate at 3.25 %. This rate did not account for an additional 0.125 % discount if we opened a CITI account with {$50000.00} to {$190000.00}. 

On XX/XX/2021 we received the initial loan estimate ( attached ). The rate shown was 3.5 % with a 0.25 % discount XXXX points ) and an additional 0.125 % discount if we opened a CITI account with {$50000.00} to {$190000.00}, such that the rate would be 3.125 % On XX/XX/2021, we received a revised estimate showing the rate as 3.125 % based on opening a CITI account with {$50000.00} to {$190000.00}. 

On XX/XX/2021, Citi sent a revised checklist showing the rate as 3.125 % based on opening a CITI account with at least {$200000.00}. 

In summary, CITI initially said our rate would be 3.125 % if we opened an account with {$50000.00}. After we filed our loan application, while in escrow, CITI then said our rate would be 3.125 % if we opened an account with {$200000.00} or 3.25 % if we opened an account with {$50000.00}. This was a bait an switch. 

We reached out to CITI and they said the term was always 3.125 % if we opened an account with {$200000.00}. The letters they provided from XX/XX/XXXX to XX/XX/XXXX do not provide such evidence. Rather, the letters CITI provided always indicated the rate would be 3.125 % based on opening a CITI account with {$50000.00} to {$190000.00}. 

CITI did not adjust the rate and gave us a rate of 3.25 % rather than 3.125 %

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 2019-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Was not notified of investigation status or results

Complaint:
I was given a charge that was not valid on my capital one account, and it was reported that the charge was late, and I was never notified of the late charge, and said charge was then listed on my credit report. When I notified Capital One that the charge on my account was not my fault and a mistake, they corrected it and even credited my account the late charge they charged me, that I paid, but refused to report their mistake to the credit agencies stating that I was still at fault. Which confused me, because they reversed the late charge and credited my account. I want the late status removed from my credit report, because I'm trying to buy a home and this blemish is hindering my credit rating. 

Please help with this dispute, thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: DE
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:
In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed XXXX XXXX XXXX to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. Experian informed me that the matter was being reported by XXXX. XXXX wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
XXXX requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from  my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with XXXX and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?

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 2018-11-27
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: Account information incorrect

Complaint:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: DISCOVER BANK
State: IL
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 was charged XXXX from a place called XXXX. I never signed up for this. There are many sites to look at such for free. I discputed these charges with Discover Card and all they told me is that XXXX told them is that the charges are no fraud since the card has my name on it which associates with my email. They also told me that they sent me a Welcome letter in email and several other emails. When questioning to recieve such emails XXXX has yet to supply such and Discover Card keeps telling me I subscribed to this company on XX/XX/2013. At that time I was in the process of going thru with a home purchase, so why would I sign up to look at foreclosed homes. Discover card refuses to write off these charges that I never authorized. Funny how XXXX says your never liable for unknown charges, yet they are screwing me over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-07-03
Company: Social Finance, 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:
On XX/XX/XXXX XXXX credit card department Status Sofi only conducts Soft inquiries when checking rates SOFI CREDIT CARD mislead consumer by conducting hard inquiry on XXXX which resulted in a hard inquiry on file untill XX/XX/XXXX and a reduction of 5 points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I opened a XXXX card offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXX card in XX/XX/XXXX and it took effect on my XXXX card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over 6months of contacting both companies. Please step in to get this corrected. 

In addition when American express was presented with the transmittal form from XXXX showing the payment made to them they have done nothing to get my money paid bac to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I purchased a car at XXXX XXXX XXXX XXXX on XX/XX/XXXX of XXXX. During the paperwork, XXXX XXXX set me up for easypay. I proceeded to check my bank account every month to make sure my payment of {$540.00} was being deducted, which it was. On XX/XX/XXXX of XXXX, I went to Honda Financial Services online to get a payoff amount and noticed a late fee has been accrued every month since I bought my car. I called Honda Financial Services to let them know that XXXX XXXX set up my auto pay incorrectly and I wanted all the fees reversed. The fees totaled {$970.00}. After two conversations with three representatives over two weeks, I was reimbursed {$500.00} in fees but still need {$470.00} refunded. I also reached out to XXXX XXXX XXXX XXXX to advise them of the error but they said there was nothing they could do and XXXX XXXX no longer works for the company. The referred me to XXXX, the general sales manager, but he never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a letter from XXXX stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX  when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information

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 2023-09-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023, Wells Fargo, as Servicer, stated they were unable to issue an escrow refund check for {$250.00}, because more than 30 days lapsed between the date of the Escrow Review Statement, XXXX XXXX, and when the account was brought current, XX/XX/XXXX, XXXX the funds will remain in the escrow 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 2022-09-06
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 report agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX had the debt for 5-6 years and they never set me any information about the repo like when it was sold for how much which is required.. Now NCB MANAGMENT SERVICES is on my credit report for this debt and when I asked for validation of debt they sent me letters of the billing statements and not proof that the debt was mine or that they tried to contact me before adding this to my credit reports which has no ruined my credit.XXXX I sent them a letter asking for proof of sell and the amounts the vehicle was sold for.. I sent this to them more than 30 days ago and have not heard back..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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:
In XX/XX/XXXX I had became an authorized user on a capital one account my score was XXXX XXXX in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital one account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from capital one and credit one XXXX is not showing anything and is saying I was removed from capital one which is incorrect from XX/XX/XXXX to XX/XX/XXXX im still an active capital one member for my own account as well as the account that XXXX listed on as an account XXXX with full access

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
Dear CFPB team, On XX/XX/2022, I placed an order through the merchant " XXXX ''. The amount I got charged for was {$930.00}. On the date of expected delivery, I did not receive anything. I understand that sometimes deliveries get delayed, so I waited over the weekend as well as 2 more business days. I still did not receive anything. So I contacted XXXX through their live chat and expressed my concerns. A few minutes following the online chat, I got an email notifying my my account got banned and I will no longer be able to return any past purchases. On the same day, the product finally came, but since it came so late, I did not need it anymore. I then contacted my credit card company Capital One informing them the issue. They are requiring me to provide an invoice from XXXX, but I've explained the issue that XXXX has banned my account and I've tried to contact XXXX multiple times to get the invoice but they are not willing to cooperate with me in providing that, and since my account is banned I can not get the invoice/reciept on my own. And Capital One has said that without that reciept they won't be able to help me. And not I am turning for you guys for help because I have no control over the situation and it's very frustrating. All I want to do is to be able to return the product I purchased.

Company response to consumer: Closed with explanation