BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent money to someone through XXXX for an alleged XXXX XXXX XXXX. A day later I messaged the seller to ask when it'll arrive to be blocked and scammed. I've already messaged my bank, Wells Fargo, and XXXX to be told I can't / won't be helped.

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 2023-12-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a chase united credit card as the promotional offer was suppose to included. XXXX XXXX points once I hit a limit of XXXX spent. I hit the limit and they told me that the offer doesn't exist with my account. How would I know about the offer and this is the reason why I signed up for the card in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: DC
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:
its been over than 30 days and the creditor has not update the information nor has provided proof or documentations in regards a late payments they have not supplied this information and they must delete allege late payment on my credit report. under federal law they had 30 days to complete the investigation and by falling to do so the item must be deleted from the report as as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the list of the erroneous account reporting on my Credit Report : XXXX  - AUTO FINANCE-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make my payments to LOANCARE online thru bank billpay systems for years.I did all my payments on time for years but last XXXX they sent a letter stating they didn't receive my payment I see it online that it is gone, opened a claim thru bank, bank says it is gone, later they said they didn't receive XXXX payment also, they cleared XXXX payment. 

Bank sent me e-mails showing they contacted t the loan company and presented the proof but since they are third party no further assistance. I've been calling loan company many times giving them the payment confirmation numbers, dates, amounts but still for 6 weeks no solution. They stated payment payments gone to a different account number but I never changed the account number or they never let me know a change, it is a constant payee I've been doing payments for years. 
Customer service opened investigation but I can't reach anyone to talk. 

I opened cases online on loan company webpage I have ticket numbers, I sent all the copy of online payments and payment confirmation numbers. It takes almost my 2 hours everytime I talk and still no result. Plus I received a negative credit score in my credit history.

Each customer service representative says something different aech time, one says they didn't receive XXXX the other says XXXX Please help me solve this issue. 

I paid {$1800.00} for XXXX payment on XXXX I paid {$1800.00} for XXXX payments on XXXX Ticket number I opened to the company 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 2018-03-05
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
In XXXX I was by multiple bank employees that if I filed a scam ackowledgement form out that I was going to get the {$12000.00} back from a wire done from my account. when the wire was in process i tried to call bank of america to stop it. I called and was on hold until after the wire dept had closed. the next morning when they were opened they said there was nothing that I could do except file this case and wait for the money to come back from the other bank. This was XX/XX/XXXX on XX/XX/XXXX the bank actually finally filed the claim. They have continued to ( without my knowledge ) deny and refile the case. it was done again on XXXX by me when I faxed in more paperwork. they did not file this until XX/XX/XXXX. when they did file it they filed it wrong. On XX/XX/XXXX I spoke with a lady and she stated tha tshe was going to help rectify the situation ( finally ) she said that I MOST DEFINITELY would get the entire {$12000.00} back from Bank of America. She issued a credit to my account for {$5000.00} she said that I could call back and get another {$5000.00} the following monday. On the XXXX of XXXX I got in touch with yet another lady that confirmed what i had been told all along. It was denied and refiled again. I had no knowledge of this. Nor have I gotten written notices in the mail ( by law I am to get these notices ). This lady also credited my account {$5000.00} she stated it was definite that I would still be getting {$2500.00} that was OWED to me. I called back a couple days later and a rude lady stated " watch this '' and she put a negative {$10000.00} hold on my account, because and I quote, " because in my opinion this is wrong '' Ive had to endure more hardships over this money than I ever care to again. after TONS of calls to the bank to resolve this I ; ve learned that bank of america tries to word things on their recorded lines tio make the consumer slip up and say something that they do not mean or understand. Once the consumer has saidd this in a recorded line, Bank of America will deny all claims for that person. They are in breach of contract via the user agreement. I have been rudely hung up on, told to just tought it out, all kinds of nasty things no human should have to deal with. Their Chief Customer Relations Executive called me, left me on hold for over 1 hour 20 minutes connecting me to the fraud dept, when they finally picked up XXXX XXXX had left for the day ( this is who called me ). they are constantly badgering me, bullying me, and discriminating against me because I am a veteran. they will vehemetly deny the ladder of course. however, I have it recorded on my phone.There are many more things they do in the shadows that need to see the light of day

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CULLEN/FROST BANKERS, INC.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Interest rates accrued, all wrong with high balance on checking, I had a checking accrued account, also high balance on Money Market and CD ... opened in XXXX and closed in XXXX Ignored .. defamated discriminated retaliated ilegally persecuted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CULLEN/FROST BANKERS, INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Provided doc. With wrong information, savings account only earned pennies ... since XXXXdid ask for compliance, research, manager, investigation, I was told to close account before I was declined a solution and I relocated, I was defamated discriminated retaliated ilegally persecuted Frost bank, XXXX XXXX, TX XXXX a XXXX with two checkings? ; and 1 savings?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted XXXX XXXX Customer Service on numerous occasions with no response. I have a letter dated XX/XX/XXXX informing me that payment is due for XX/XX/XXXX. 
The payment was made and the bank has not applied my payments. This has affected our credit report. We need a response from this bank on why our payment are not being applied properly and why we have not received notice. I was informed by XXXX @ XXXX XXXX there was a $ XXXXpast due ; this was paid. 

Date Description Amount Balance Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Rate change Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One account number XXXX is claiming that I have a balance with them for {$11000.00}. Yet they can show no validation that is competent evidence bearing my signature that shows I have a contractual obligation to pay them. 

Under the Fair Debt Collection Practice, they must show validation that bears my signature but they have failed to do so. Yet the continually report false and misleading information against my name. 

And by doing so they are violating the FRCA & CFCPA because they can not validate the debt and therefore should delete the information from XXXX, XXXX and XXXX. 

Capital One is in violation of federal and local laws and should not be allowed to continue damage my credit without validation showing my signature that I have any contractual obligation to pay them. 

Please help me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The HELOC is a secured loan on a property that was foreclosed. The foreclosure date is XX/XX/2012. I stress that the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
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: Information belongs to someone else

Complaint:
There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX  for {$63.00} Please remove unauthorized inquiries from my credit file : 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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed in XX/XX/2019 by a phone call saying they were going to charge my checking account {$390.00} for my renewal for my support for my Computer and If I didnt want this done and cancel to call a number. I did, and explained that I did not order anything. They said Sure We can take care of that, thats when unbenowing to Me thats when it started. They had Me go to a site, which now I know better after reading my XXXX XXXX XXXX XXXX, not to open any unknown sites, They claimed they made a mistake and put all this extra money in my account, I said let Me calll the Bank, the guy said Please, dont If you do I ll lose my job, Because I made a Big mistake. They knew how much was in my account, by the site they had me open, so what they did was transfer my money that was in my own account from savings to checking, and kept Me on the phone to keep Me from contacting the Bank. They said it was their money that they had returned to Me, and I had to wire the {$35000.00} back to them by money transfer. By the time I realized It was a scam, I contacted the Bank, they had Me wire it overseas, A lady at the bank tried to stop the transfer but ot was too late, She informed Me because I willingly signed for the transfer, they were not responsible. I contacted the overseas bank, and they said it wasnt on them. I am a XXXX  who thought I was up on things, but feel foolish because of how and what happened to Me, I still hear messages on my Phone from different people SS, Tech Support, etc, which I know now are scams so I don t answer. Little People it seems don t matter to Big Banks, so I guess Im one of thousands who have lost money forever to scam artists. 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 2023-03-17
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, I just wan na let you know that someone use my Social Security number and apply for Macys Citibank American Express credit card on XX/XX/2023, when I got this email from Macys immediately, I call XXXX and I have put the fraud and dispute this application and also I have phrased all my credits, and also I called Macys, American Express, credit card, phone number regarding that application, and I let them know that it was not me, and they removed this application and put the fraud on this application, then I call to XXXX after I put the fraud and freeze my credits they said you have to report this application to this website, please let me know if I have to do anything else from my side. thank you so much.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately By law Delete all incorrect information and account listed in the document below from my consumer report immediately as it is hindering me and should not be reporting on to my consumer report and violates several laws under the FCRA and FDCPA.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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