BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I visited XXXX in XXXX to look for XXXX season tickets. I found some I wanted and called the phone number on the ad ( XXXX ) XXXX and we agreed to meet in XXXX Texas. While I was on the way he called to say he couldnt meet but that he could walk me through using XXXX. He said I owed him {$1500.00} for four tickets and to ease my mind I could XXXX him {$500.00} and then he would send me two tickets and then I could XXXX the remaining {$1000.00} after I got the first two tickets and he would send me the last two. He even said fraud happened to his daughter once and Wells Fargo immediately gave the money back. 

I signed up for XXXX on my Wells Fargo account and loaded in his information. It came up with a XXXX XXXX. After I sent the {$500.00} he called me and said " did you know you can only XXXX one {$500.00} transaction a day? '' and he hung up on me. When I tried calling back the line was dead. I immediately called Wells Fargo and they said they would open a claim. Weeks later I got a letter from Wells Fargo saying the claim was closed because the money was already sent and processed by XXXX XXXX XXXX account. 

I called Wells Fargo and asked them why they closed the claim and they said when someone uses XXXX it is instantaneous and if I authorized the transaction, there was nothing Wells Fargo could do.

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 2023-01-04
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to pay {$40.00} to XXXX XXXX XXXX on the PNC mobile app. The past week I received a payment from XXXX XXXX. Unfortunately I sent the payment to the wrong XXXX XXXX or an old XXXX account to XXXX XXXX. Immediately I called XXXX XXXX who refused to assist ( was not a costumer ) and then PNC, that stated I would have to complete a dispute. Once the transaction posted to my account I filed a dispute for the wrong individual. Recently I received notice that my own bank PNC wont return the money and declined my dispute. Where is the protection as Ive banked with PNC for a decade now! Id like a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I filled a complaint against Bank of America because of an unauthorized transaction. 
Bank of America responded in part We may deny a claim for losses due to unauthorized transactions ( XX/XX/2022 ) if you do not guard against improper access to your account information. 
The CFPB has an obligation to protect consumers from fraudulent activity and not to defend the unscrupulous practices of corporations. 
This transaction that incurred {$100.00} on my account was not authorized. 
I demand the CFPB to protect my consumer interest in a matter that has been wronged.

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 monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on 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

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 2019-12-05
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting since XX/XX/XXXX to close my account with Key Bank in XXXX  since I now live in XXXX. This account has been in existence since the XXXX. 

I contacted the bank by phone on XX/XX/2019 to assist me with this problem. 
You will see from the attached document that their system continued to charge me service charges while I was in direct contact with them begging them to help me close this account from XXXX. 

They advised me to deposit XXXX cents into the account so that I could close the account. 
I did so, as evidenced on the attached bank statement on XX/XX/2019. 
They told me to accomplish this through a XXXX system transfer. 
XXXX only allowed a {$1.00} transfer for whatever reason. 

On XX/XX/2019, they again charged me a {$33.00} overdraft fee while I have been begging them on the phone to help me close this account. They have refused to do so. 

A incorrect transfer of {$1000.00} was deposited into my account in error on XX/XX/2019, and they are telling, me through not fault of my own, that this triggered the account to stay open. They will not help me to close this account and now need your agency 's assistance to do so & I am respectfully asking for your involvement. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX was designated under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment.We tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In reviewing my report from Equifax, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Equifax automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX, XXXX XXXX, SC XXXX ; Inquiries 1 ) XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX ; XXXX date XX/XX/2021, XXXX ) XXXX XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/2021, XXXX ) XXXX XXXX  ; Inquiry date XX/XX/2021, and XXXX ) XXXX ; Inquiry date XX/XX/2021 ; Open Account - XXXX Acct # XXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Acct # XXXX - please delete. these are not my accounts. I do not know who this information belongs, but it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Hi, Me and the original creditor Wells Fargo settled this account on XX/XX/2018, as they have in the settlement letter than this account is fullfilled, but they are reporting this on my reporting as paid for lessor than amount which is negative on my XXXX  and XXXX  report. They also stated on the letter that I do not need to make any more payments and there will be no further collection so this account should be positive status on my credit report or remove. I am trying to purchase a home for my family of XXXX  and this is hurting, e from getting our home

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 2018-10-19
Company: LDF Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Loan at last is not licensed to lend in Minnesota. To date I have paid {$750.00} on a {$700.00} loan. They are debiting my bank account {$94.00} per week, which is supposed to end in XXXX. Almost none of what I have paid already is going to the principle. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 credit card accounts with Bank of America. 
My account ending in XXXX had its typical payment due on XXXX. I selected that card to pay on line through their payment system as I do monthly. I paid {$100.00} on XXXX towards the {$100.00} minimum payment due on XXXX. They incorrectly applied to another OLD account number ( ending in XXXX ) for the 2nd account, which was changed MORE THAN 4 YEARS AGO by them. That account 's number CURRENTLY ends in XXXX.They then charged me a late payment fee of {$38.00} for the " late payment '', because of incorrectly applying the payment to the wrong account. 
I should not have to pay the late fee because THEY offered up a dated, wrong account number which made it appear as though I was late, even though I paid more than the minumum that was due on THEIR incorrect system. 
I was not able to resolve this with them through a telephone call.

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 monetary relief
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW

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 2023-03-27
Company: Experian Information Solutions Inc.
State: MI
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 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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXXXXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NJ
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:
I'm sending this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below 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 explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: FL
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 or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX unauthorized inquiries on XXXX XX/XX/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 2021-10-07
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named XXXX XXXX hired me for a new position, prior to my start date I had to do a few cases to show I was capable for the job. The last case was to purchase cell phones and mail them to their XXXX XXXX  office. I purchased 3 cell phones, 2 cells phones with a charge of {$2000.00}, and 1 cell phone with a charge of {$710.00}. and both were shipped to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. They gave me two accounts that were supposedly their business accounts, one to pay off my credit card and purchase one XXXX, the other to pay the credit card I used to purchase the other 2 phones. 

About a week before my employment start date I realized all payments that were made by my new business credit account to my Capitol one credit card was reversed, and payments made removed four weeks after paying off the card, but also the company was fake. so I lost my job, but they also stole {$2700.00} plus fees from me Capitol One has done nothing to help me these past 5 years. I was clearly a victim of Identity Theft and fraud, which occurred on XX/XX/2018, and was reported to XXXX XXXX XXXX POLICE DEPARTMENT : on XX/XX/18, REPORT NUMBER : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Courts do not write to consumer reporting agencies. I want a file and my report sent to my address. I have reached out to Lexus nexus and they said it was valid. I know they did not get the information from the courts. 15 USC 1681A ( 4 ) they have infringed upon the right to my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with explanation