BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Get charged in one day more than 3 times for insufficient funds. Tried to ask for credit because I was charged for it once. No mercy. My funds were taken away from me without paying the checks.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with TransUnion, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In 2016 I had an account with Wells Fargo. They constantly charged me fees for a student account that shouldnt have had fees. When I attempted to close my account they kept it open for almost 8 months after my request.

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 2021-05-10
Company: United Shore Financial Services, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a refinance of a property. Our credit scores are excellent and our credit reports obtained from the credit bureaus show an " excellent payment history ''. This mortgage is our only debt. Our income exceeds what is necessary to qualify. The loan-to-value ratio is probably somewhere between 38.5 % -45 %. We have never missed payments on anything or ever filed for bankruptcy.

Our application was denied due to " Unable to verify residence ''.

From the start of the process that the lender was informed that we live abroad. All of the documentation which we provided shows our foreign address, bank statements included. We have been away for 2 years so our last two IRS fillings were done with this address. We receive mail from several institutions, the IRS included, in order to keep our affairs in order.

All of our income is US-based ; we have no income abroad. We provided title and record information about the property we currently reside in showing full ownership and no mortgage.

Upon request, we also provided a US address belonging to a friend of ours who receives the odd mail from us. We rarely receive mail since most companies prefer paperless methods, but nonetheless this was made available as well.

We enlisted the help of another friend in the US who would have power-of-attorney. He would sign on our behalf at the closing. The title company sent us the power-of-attorney document to use and we booked with the notary at the local US embassy to sign the documents.

We e-signed the lender 's disclosures and also the rate locking documents. Shortly after the latter, the loan was denied.

In a nutshell, are US citizens/persons who live abroad barred from refinancing their properties in the US? 

We can not find a valid or reasonable reason for this loan to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal has sent out debt collection under my name. I worked with a client who purchased an expensive item from me. She then reported that her card was frauded. PayPal issued her a refund saying that she returned the item to me yet I never received the item. PayPal then charged me for the purchase as I received an empty box. The customer ended up disputing the charge and took the item then returned it empty. She basically stole the item and now I am being charged for it. 
Now the purchase is in collections and is affecting my credit. I need this removed immediately and issued a full refund. PayPal has also garnished my wages of other items I have received payments for. I spoke to a representative in the beginning of XX/XX/XXXX who put in the dispute and explained that I would receive an info letter within 4 days of the call. I still have not received anything and its been almost a month since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had a card with Chase that I was not using, and that had been carrying XXXX balance for some time. The card was linked to a ride sharing service, and I accidentally charged XXXX {$50.00} to the card. Having not realized I had made the charge, I was late in paying the bill. 

Though Chase obviously had my email and phone number, I never received an alert through either of these media informing me I had an overdue balance. Rather than sending a simple text message, email or making a call Chase charged ~ {$170.00} in late fees. Also, my credit report was seriously damaged over a very small debt ( {$50.00} ). 

While of course customers are responsible for charges incurred, the bank should make a reasonable effort to inform customers of overdue bills. Chase easily could have done that and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and XXXX are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX and XXXX  on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to Transunion and XXXX requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.

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 2018-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BC SERVICES INC is attempting to collect on debt already PIF with XXXX XXXX over phone several years ago. Needs to be removed ASAP. 

First amount is for XXXX XXXX XXXX XXXX CA : {$3600.00} Second amount is XXXX XXXX XXXX XXXX XXXX : {$1000.00}

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 2021-09-05
Company: Experian Information Solutions 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:
To Whom it May Concern, This is my 5th time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Experian, I have already contacted every I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file creditor directly and they have no proof of permissible purpose or even a record of me on file. 
I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Experian OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. No idea who these companies even are : { Creditor Name } : XXXX/XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : EXPERIAN XXXX XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX XXXX { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 
Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. 
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 2022-08-05
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I had a Capital One Quicksilver card that was delinquent, the card was paid off in full & I was told by collections that the account would be removed from all 3 of my credit reports by the collections department. I was told that within a month this would be deleted & its still showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: ERC
State: TX
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:
Im a XXXX year old trying to better my life and with that is to better my credit I recently have cleard things off my credit but this company ERC just recently updated as a debt collector with out my knowledge of any kind of notice, and was from XX/XX/XXXX they are just saying now that it recently got collected? It ruined my credit so fast, compared how long it takes to establish my credit it feels horrible I was looking foward to financing my first car and was told this morning XX/XX/XXXX That I  had debt collection of XXXX $ so was not approved and now I will add more to my hard inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Incomm Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
They would give me a provison credit somebody stole my card. An spent my money i filed my claim XX/XX/XXXX this my second trouble ticket XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 keeps allowing the company XXXX XXXX, XXXX to report inaccurate information saying i owe them money on my report. I do not owe this company any money and all other credit reporting agencies had the information removed because the account is not mine and should not have been placed on my report. When i try to get the account removed Transuion allows XXXX XXXX to Parrot saying the information is verified but this isnt true. I certified mailed XXXX funding in XXXX asking for verification and recieved no response from XXXX XXXX. Transunion is willingly committing fraud against me by letting this inaccurate creditor report on my credit.

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 2021-09-05
Company: Ingenuity RM, LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ingenuity RM continues to send me letters in regards to a medical debt from XXXX XXXX XXXX XXXX for {$240.00}. File Number : XXXX. The debt and account is not my account or debt. The debt and account is the result of identity theft. Ingenuity RM keeps harassing me for a debt that doesnt belong to me. Ingenuity RM is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ). Ingenuity RM previously informed CFPB that they would close the file and not contact me anymore in regards to the debt, but they contacted me again anyway by USPS mail on XX/XX/2021. I have the letter. Review the letter uploaded. Furthermore, Review previous CFPB complaint against Ingenuity RM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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: Account status incorrect

Complaint:
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.

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 2018-06-05
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX -XX/XX/XXXX- {$430.00} XXXX XXXX XXXX- XX/XX/XXXX- {$4700.00} THE DEBT AMOUNT IS INCORRECT I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE ACCOUNT OF WHAT THE CORRECT AMOUNT SHOULD BE AND I KEEP GETTING THE SAME INFORMATION I ALSO REACHED OUT TO THE ORIGINAL DEBT COLLECTOR XXXX XXXX XXXX  BUT NO RESPONSE.

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