BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened accounts, deposited checks, had wire transfers and then was told my accounts were closed, and that they gave my money to somebody else and I opened an investigation with the banks and they were ordered to give me all my cards and account info but didn't and wouldn't switch them back into my names and wouldn't say where to get my money nor why my account was closed as soon as the money made it to the account at Wells Fargo, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  with the various cards and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, And Phone payments that I didn't authorize since my phones were purposely stolen. XXXX filing police reports and not getting my things back or this issue settled as I don't control the world while all this negative public portrayal of me goes on. 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 2018-11-26
Company: Eastern Revenue, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Already disputed on XXXX  Credit and it was removed XX/XX/18. It has appeared on XXXX Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Grain Technology, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I use " Grain : The XXXX Credit Card '' app and I can not login to update and pay my bill. The app store has tons of reviews of the same issue, they sent out an email saying it was resolved but I still can't login. I have automatic payments but they disconnected my bank account. They are refusing to let me pay for my bill because there is no other way to access the account other than the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: EQUIFAX, INC.
State: NC
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 Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX3 XXXX XXXX XXXX inquiry date : XXXX 4. XXXX inquiry date:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
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:
Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to Experian, XXXX, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.

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 2018-11-26
Company: CNG HOLDINGS INC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The XXXX XXXX XXXX has Over-Debited my account and Falsely Reported Negative information on my credit report. I have spoken to Several XXXX and XXXX XXXX Managers on several occasions trying to resolve all issues pertaining to being Overcharged by the XXXX Why not Lease Program. I have Vividly communicated that the XXXX Why Not Lease Program Over-Charged me and when I asked for a refund, My Request was ignored, and Multiple XXXX XXXX Scam Affiliate Companies Have Falsely Reported Derogatory information on my credit report. I developed an understanding with XXXX XXXX XXXX, that while we are working on this matter together that there would be no false or inaccurate information reported on my Credit report. I have been deceived many times by XXXX XXXX XXXX. 

Purchase XXXX Order XXXX, XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Led HDTV XXXX Shop your way points Redeemed : {$100.00} I will also submit attachments with Bank Records, Attorney XXXX , And Why Not Lease Paid in Full Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion ha sthe XXXX  account as a balance showing that is incorrect posting of this account as this is posted with XXXX  as a XXXX  balance.

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 2020-04-27
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: Their investigation did not fix an error on your report

Complaint:
Transunion did not perform a reasonable investigation. I've disputed my XXXX Consumer account ( # XXXX ) with Transunion multiple times over the Terms being incorrect and asking for deletion. The last two dispute, I even sent the actual contract. The contract says 72 months but XXXX  changed it from 77 to 74. How does this happen? How can you investigate with possession of the actual contract yet you let this creditor get away with posting the wrong info. This has gone on for months. 

Also, I've disputed XXXX XXXX due to incorrect payment status. The loan was paid in consolidation. it says it's closed and 120 days late. How can this be. I asked for deletion of this account but the inaccurate info is still there. 

Trellis company. Multiple disputes on XXXX  ( proof attached ) and Terms of the ordinal creditors loan. How did they verify this information. XXXX  is XXXX of XXXX. How did you verify my terms to be " XXXX  ''? who did you speak with? How much was the monthly payments in which i defaulted on? 

Bank of Missouri : information was verified as correct, but they did not list a human who verified this or show what documents back up the XXXX. 

Finally, XXXX XXXX, disputed the account was overaged yet they verified the DOFD to be accurate. I'm confused as to how that can be. 

I DO NOT believe Transunion conducted a reasonable investigation on any of 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 explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
it been over 19 months XXXX  new about the problem I I was robbed my id stolen and hacked. they had not been sending any bills through mail. at all or email So I have not been in XXXX for more than 19 months. I even question why I have not gotten a new card my old one was issued in XX/XX/XXXX. I called told them the problem they said the old account would be closed and a new one issued. but never was! so I called again and again talk to XXXX, XXXX, XXXX, XXXX  and they say they would look into it this was in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX they all told me not to pay anything at all until it was decided. so I did not! now a XXXX from corporate got involed and she said I owe more than 2,000 that someones been paying my bill and using my card. I told her what happen she does not believe anyone could do this! then she said I do not know what the billing or fraud department because its in texas and I do not control that or have anything to do with it she kept putting her foot into and getting deeper and deeper than she said I personal took over then she said I can not wipe the account because my computer will not do that. I wrote the ceo XXXX XXXX have not heard a word from him. XXXX has lied because a XXXX said from corporate it can be done and do not make payments then I get a call back from XXXX  she said I owe the full amount and she will not listen. it says on the statement any disupts and we page that explain do not pay anything. even on XXXX XXXX XXXX and others were talking about business not getting up dated, and the consumer not held. that were interviewing several ceo I should not pay this 2,000 0r more at all because no one knows what they are doing the headquarters is in wi state and billing is in texas and fraud in Ohio. I told them the problem and can not agree o what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have asked XXXX XXXX numerous times to remove late payments from my credit report. I have never paid late with them. I have tried to dispute the late payments with the credit bureaus and with 3rd party companies and seems to go nowhere? I have talked to them also and the first time I did I told them my situation and told them about my identity theft issues I was going through with my bank and someone stealing my social security and they told me to not worry that the payment I processed that was returned would not show on my credit but it has been years now and it has never been removed and it is hurting my credit score to now be able to buy a home.I do not know what else to 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 2018-01-31
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
CITIBANK is reporting deformatory information on me, I dont have a copy of this information and it is my right to see it, i recently went to open a checking account and the banker told me citibank is in the system saying i owe them XXXX,,,,,,, well in fact I never received a ''BILL '' from citibank, you see a ''bill '' would define something that you owe, and a ''statement '' does not show what you owe, just a ledger record, also citibank is keeping secret accounting records and will not show them to me, also citibank sold a check that was allegedly bad and claim i owe them for it, THEN WHY THE XXXX DID THEY SELL IT TO A FINANCIAL INSTITUTION IN XXXX OF WHICH I TACKED DOWN THE 15 DIGET NUMBER, they refuse to give back the original instrument with my wet ink signature because they sold it, so therefore what justifies any debt, they are liers and fraudsters and i will be following up with tangible facts of thier crimes, CITIBANK AND ALL BANKS ARE XXXX CRIMINALS, YES THEY ARE, THEY THINK NOBODY KNOWS THIER TRIX,

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 2017-11-19
Company: CITIBANK, N.A.
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:
My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Citicards/Citibank is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Citicards/Citibank to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.

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 2018-01-31
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing this letter in hopes you can intervene to get XXXX XXXX to properly review our loan for assistance options, and keep me in my home. The issues began when I lost use of my car, which as you know, in South Carolina, is a necessity. The unexpected expense of getting it repaired made it difficult to stay afloat. 

I attempted to contact Chase to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I participated 360 Capital One {$200.00} Money Market Account Bonus promotion. I opened a 360 money market account with the promo code XXXX and deposited {$10000.00} into my account on XX/XX/XXXX. The terms of the promotion was to deposit XXXX by XX/XX/XXXX. I have not received the {$200.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Report # XXXX XXXX XXXX 2018 Experian has on my credit report your statement in which I did not say in XXXX as that's there words. Experian has yet to provide proof of a charge off by XXXX XXXX showing {$770.00} written off I have attach a letter from XXXX XXXX showing there was or no money owed by XXXX XXXX. Experian has on my credit file {$770.00} written off with no documented proof from XXXX XXXX showing this balance or a charge off. MY NEXT ISSUE WILL BE LEGAL ACTION ON Experian FOR NO PROOF OR DOCUMENTS PROVEN WHATS STATED BY EXPERAIN.

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 2021-10-24
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I initially became involved with Freedom Debt Relief when I received a advertisement in the mail for a " personal loan '' upto $ XXXX to consolidate all my debts. When I went online to apply, it said that I had to call in and speak with someone for next steps. When I called in I was advised that I did not qualify for it and that they had a program to settle the debt. They also led me to believe that when the debt gets older it is easier for them to settle the debt. They kept pushing settlements off, and then I started getting letters from an attorney, I did everything they told me, I uploaded all the docs, I kept all my payments on time, then I got served legal papers. I found out that they never had the attorney reach to the attorney who served me. Had they reached out earlier they could have prevented this. I found out that they had not reached out because they had wanted another {$270.00}, but no one told me that. I paid it right away, they made me contact the court for an extension, because no one there would do that. I filed for the extension and I was told that their attorney would now make contact. I get another notice that they attorney had filed for default, because no one contacted the, I called in, they said everything looked fine, and they had no idea why contact was not made. The CSR thought that maybe they wanted more money on the file, so I added more. I did not hear back from the suing attorney, so I thought we were on track. Now I received another letter that the attorney can not get ahold of FDR rep, and that I am again going in default. I know that FDR does not " Promise '' anything, but when they get the hook into you, they elude that they will help and be there for you. Everything is done though FDR, there is no way to contact the attorney and we do not have a contact there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I had a massive fraud committed up to XXXX dollars taken from a joint account with my mother and I at Peoples United Bank. The fraud was committed at XXXX, XXXX and XXXX XXXX XXXX where transactions of XXXX dollars took place. As soon as we saw it we told the bank went to a local branch were they set up new accounts and told us a fraud claim had been placed and they said it would take 3 months to get my money back. So fast forward 3 months they told us we never did a claim and then they said my mother spent thousands of dollars herself at XXXX and got scammed without any proof and they won't refund my money. I sent emails and finally got a response from a regional head saying I never filed a claim and basically saying there not at fault and telling me to file another claim. I know my rights as a consumer and there in violation of Regulation E the bank did not provide me with provisional credit and did not do a complete investigation. The bank mishandled this whole fraud claim didn't even tell my mother or I to file a police report. Obviously someone made a mistake somewhere but instead of correcting it there trying to blame the people who put money in the banks assuming its going to be protected. By the time we filed a police report the detective said it was unsolvable because the bank and business the fraud took place deleted there surveillance tapes and commented banks will prolong fraud cases so they don't have to pay you back. I haven't heard anything from the bank since I filed another claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Jacobs, Marsh LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company name XXXX XXXX XXXX XXXX, claiming to be working on the behalf of Jacobs Marsh, LLC has been calling and leaving threatening messages to me and to my wife about credit card debt that I cannot verify is actually owned by this firm. The original debt was owned by XXXX but I have no idea who this firm is and if they are legitimately authorized to collect this debt. I asked them to provide a validation of debt and they refused.

Company response to consumer: Untimely response