BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trying to get a straight answer from Experian and XXXX is very difficult. For whatever reason XXXX is much easier to deal with. I had one dispute I put on my credit reports against a company that had inaccurately documented a late payment. The company itself updated the info but to get the dispute remarks off of equifax and Experian I may need a lawyer. I have gotten different answers each and every time I have callled to get the dispute remarks removed. Weeks later eve 24-72 hours to remove dispute remarks is completely false.

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 2017-08-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My roommate was moving out of our apartment and I was desperate to find a new roommate. I posted many ads to XXXX and XXXX and was unable to find someone who seemed legitimate or who was willing to sign a lease. While browsing XXXX one day, I saw a post from someone stating that their friend needed a room. I contacted the person per email and we began talking. They sent me a picture of a Washington driver 's license with the name XXXX, XXXX on it, so I assumed they were a real person. They told me they were working in Mississippi doing XXXX work and were soon returning to XXXX to continue work at the XX/XX/XXXXXXXXXX/XX/XXXX which has a great XXXX program. Naturally, they seemed legitimate to me, a desperate renter. After a few more days of talking and putting them in contact with my apartment manager, they began to fill out the application, which further proved their legitimacy. They were seemingly unable to submit pay stubs ahead of time, which seemed weird but not suspicious to me. They told me over email and text that they would send me a check in the mail with money for paying XXXX 's rent, as well as additional money which would need to be transferred to the moving company/persons to assist in moving XXXX 's cars and belongings. I received the check in the mail for {$2500.00}, deposited it, and assumed everything was going well. I later followed XXXX 's instructions to send the money to the moving company 's assistant " XXXX XXXX '' over XXXX on the USAA Mobile app. I sent {$1000.00} in the first transaction on the XXXX, then {$920.00} on the XXXX, and finally a payment of {$570.00} on the XXXX. XXXX told me that they needed the additional {$600.00} for moving costs because it had somehow increased. I was suspicious and asked for proof in writing, but figured that since the check was not really MY money, no harm could be done by sending the funds ( only {$570.00} of which I was able to send - XXXX 's monthly limit is {$2500.00} ). I sent XXXX the money and XXXX replied with their thanks. Then today, the XXXX, I went to the ATM after work only to be told by the machine that I had " insufficient funds. '' I found this hard to believe because I knew I had money in there this morning. I went home, confused, and called my bank after I saw that my account was in the negative XXXX $ XXXX XXXX. I called my bank and they said that the check I had deposited from " XXXX '' was altered/deemed fictitious. Following this information, I filed a police report with the XXXX Police Department and gave them the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX at XXXX. I sent the equivalent of XXXX  XXXX to my partner, with whom I'm in a long-distance relationship. I chose Wise ( formerly called Transferwise ), because they promised that the transfer would happen instantly. It did not. My money is being held for " checks '' ; the company requested information about his name, date of birth, and place of residence. I forwarded the information at around XXXX on the same day. 

He still has not received the money. On the website, it says it will not happen for another four working days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage has continued to apply forced insurance to my account even though I have had continuous coverage for the 15 or more years that I have owned the property. I and my insurance company have provided them with proof of insurance and they keep ignoring it. They have recently started servicing my accounts and I have had problems with them on both mortgages that they service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried everything to get my experian credit score to go up. I have had late payments in the past, but have paid off ALL my debt. I have low revolving credit lines and have history. When I have tried to contact the company to discuss the issue, they say they can not help. My XXXX  and XXXX have jumped over XXXX points and experian, nothing.

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 2020-11-18
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Having filed for unemployment in lateXX/XX/XXXX/early XXXX of 2020, I never received my Key2Prepaid Unemployment benefit card as of yet. I did switch to direct deposit later in XXXX and had no problem with following payments. I'm still owed over {$1200.00} on debit card I never received and have tirelessly tried to contact Keybank for a replacement card. Over 6 months of calling with as long as 4 hours of hold time has yielded absolutely no help whatsoever. Their website is equally useless as you need a card to access any of its features. Alternate numbers I have called to reach an actual person also a waste of time as they are either foreign call centers or different departments that refuse to address the issue and either hang up on you or transfer you back to the XXXX XXXX XXXX XXXX number that is never ever answered. This issue has been all over the news for so many yet Ive still heard no solutions. Keybank is sitting on millions of other peoples much needed dollars and I find this criminal. Ive called unemployment office yet to have return call, Ive also filed a complaint with the XX/XX/XXXX and received a nonsense letter requesting a Hippa release form ( Medical records ) to proceed, which is unrelated to anything Ive addressed to them. This large scale Fiasco is a national embarrassment to say the least. Hopefully I've found some competence and perhaps sanity with you folks. Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX dob XXXX ssn is XXXX account number XXXX this was for 36 mo wi state law sz after maturity date you can not charge more than 2.75 interest there are charging me 120 % still after the maturity date please remove from my credit report since this is done illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
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 am requesting an investigation for fraudulent information that was found on my credit report. I want my financial freedom back and it is my right to have EXPERIAN 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX  XXXXXXXX XXXX Date :XX/XX/XXXX.

2. XXXX  XXXX. Date : XX/XX/XXXX.

3. XXXX XXXX XXXX  XXXX. Date :XX/XX/XXXX.

4. XXXX XXXXXXXX  Date : XX/XX/XXXX.

5. XXXX  XXXX  XXXX XXXX. Date : XX/XX/XXXX.

6. XXXX  XXXX XXXX. Date : XX/XX/XXXX.

7. XXXX. Date :XX/XX/XXXX.

8. XXXX  XXXX  XXXX. Date :XX/XX/XXXX.

9. XXXX  XXXX XXXX. Date :XX/XX/XXXX.

10. XXXX  XXXX  XXXX. Date : XX/XX/XXXX.

I am just asking for a fair solution. all the mentioned inquiries are related to fraud.

I request EXPERIAN to remove them from my credit report.

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 non-monetary relief
Consumer complaint received 2020-11-18
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have business and personal accounts with Regions Bank. 
I did call several times to inform them that I could not access my business account online and not sure why because my online profile clearly shows personal and business accounts but online my personal account opens. I asked them why my business account is active yet I couldn't access it online. 

Moreover, I tried to withdraw money from my external trading account into my personal account but could not do it because they said : '' Regions Bank is blocking you from enabling external applications '' All these make it challenging to manage my account and do business with this bank.

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 2021-09-01
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 I have contacted the collection agencies and credit bureaus ( XXXX XXXX XXXX ) via mail and online disputes regarding ( 2 ) collections thats not mine reporting on my credit report. They failed to provide proof and claimed the debt was validated. Legally, they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Im requesting this information be REMOVED from my credit reports. Collection agencies as follows : 1. XXXX XXXX XXXX {$400.00} 2. Diversified Adjustment {$1500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: FC HoldCo LLC
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 is missing that should be on the report

Complaint:
My car company has not reported my payments since 2017. I have made 3 on time and one principle payment on the account and the balance on my report and their website does not decrease at all it has even gon up. I have requested an amortization report and have still yet to receive it or any explanation as to why my balance is not going down

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 2019-06-06
Company: EQUIFAX, INC.
State: VA
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:
I have been a victim of identity theft and have worked with all the reporting agencies and creditors to resolve these issues. I have been making progress in getting the proof to the creditors and credit agencies to resolve the issue with the XXXX. Equifax has been presented with all the evidence the other reporting agencies were and has still yet to address the issue. Furthermore, after knowing there was a fraud alert on my credit report, Equifax has allowed the following inquiries into my credit report without an investigation after numerous attempts to remove these inaccurate inquiries have gone unresponded too XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX .. on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter XX/XX/21 from Wells Fargo Bank, N.A. stating I opened a new credit account with them and a new credit card will be mailed to me. 

I never applied for a Wells Fargo Bank credit card. 

I have not received a Wells Fargo Bank credit card. 

I do not want a Wells Fargo Bank credit card. 

I attest this statement is true to the best of my ability. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX IL 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 2020-11-18
Company: Experian Information Solutions Inc.
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:
I have contacted Experian to dispute several accounts due to identity theft. The first attempt at solving this issues was in XX/XX/2020. I received a letter stating the accounts were verified without any proof of verification nor my actual signature signing for the authorization of these accounts. Since Experian didn't take my concerns seriously I have since received an erroneous amount of inquiries have shown up my report as well. Based on the last letter received from Experian a human did not even bother to investigate my complaints. The letter was very generic and nothing was done to correct the problem. Experian has violated Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of the Fair Credit Reporting Act ( FCRA ).

I have attached all supporting documents for this claim.

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 2020-05-16
Company: BANK OF THE WEST
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today ( XX/XX/2020 ) I used Bank of the West 's ( XXXX XXXX subsidiary ) website and used thier online functionality to make a loan payment. This web page has an " upcoming payments and transfers '' section, so I checked that section after scheduling the payment. It did not appear. So I figured I missed a button, and I re-did the payment. Again, it did not appear in the " upcoming payments and transfers '' after completing the process. Then I get two rapid-fire emails on my XXXX account, both in the same minute and both with the exact same text and payment details. Neither had any unique confirmation number so there was no way to tell whether I just got the email twice or if I had completed two payments. So then I called customer service and the first representative stated I'd have to wait until the payments posted to cancel one of them. Then he transferred me to someone else who stated he couldn't see my payments and then he tried to transfer me to another representative, only to disconnect the call. I called back again, the first representative explained that when you use a non-Bank of the West account to pay, the upcoming payments and history pages on the website will not show those payments. Then I was transferred to another department because I insisted that payments work in files that are processed overnight and they must provide a way for me to cancel the extra payment done in error before it processes and comes out of my bank account. The final outcome was that there was no way that they could cancel this extra payment so I have to wait and ask for a refund - or try to stop payment with my bank which is unlikely since I have no transaction code information ; I can't afford for them to take this extra money out of my checking account. Bank of the West needs to have the same functionality that every other bank, credit card company, and frankly even the garbage company has - the ability to schedule and cancel scheduled payments prior to thier processing. And to get a decent confirmation of a payment that has a confirmation code that is unique for every payment. Thier process is confusing and unreliable and confusing. The last agent told me they had updated thier payment website in XX/XX/2020 to no longer use an external biller process to take the payments ; this update to use thier own internal process and website has these gaps in functionality that make it impossible to verify and cancel payments on thier website, or even see the history of payments you've completed on thier site.

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