BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the  investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.

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 2018-08-08
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is over charging me after breaching out a contract. 
I had called sprint to add a international plan into my mobile account to travel to XXXX where all my family lives, so i enrolled myself in this international plan so i wouldn't have any additional or over charges. 

So i had it working perfectly, but when i came back i didn't ask or requested XXXX to remove the feature i wanted to keep to be able to still speak with my family and friends back home for additional {$10.00} plus my monthly charges of {$70.00} so XXXX without my permission removed the feature then my account went overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a secured credit card via XXXX from XXXX XXXX XXXX XXXX. I have had this card for over a year, missed no payments and have been an excellent account holder. They did not allow me to transition my secured credit card to an unsecured credit card as the terms and conditions stated. I surpassed 6 months of timely and responsible account handling quite a while ago. I should mention my US Bank secured card ( also part of XXXX XXXX XXXX ) did transition me to an unsecured card several months ago. There should be consistency among branches of the same bank ( XXXX ) and they should uphold their terms promised by XXXX when a customer opens a secured card.

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 2021-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I applied for a mortgage refinance with Wells Fargo Home mortgage. I currently have a home loan which I have been paying in full for the past 15 years at 5.875 %. 

I applied XX/XX/XXXX for a mortgage refinance. My FICO score is about 800. 

Wells Fargo said they are targeting refinance close XX/XX/XXXX. I submitted extra paperwork as requested and I just called today XX/XX/XXXX and they said my request for refinance was denied. 

The reason was because of my submitted tax returns of last year which showed a loss. Considering the COVID situation, my business did indeed suffer a loss, but I have enough cash reserves to continue to pay my mortgage payments. I continued to pay my mortgage payments with no issue. 

Basically I am responsible and I save my money, so I was able to continue mortgage payments. By refinancing I would save over {$400.00} per month on my payments, so would make my mortgage even more affordable. 

Wells Fargo is quite greedy in they want me to continue to pay higher monthly payments. 

I wish to file a complaint against Wells Fargo. 

Thanks, 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 2020-09-10
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:
I have disputed the inaccuracies on my credit reports ( Experian and XXXX ). When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the Federal Court where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.

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 2018-08-08
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX  ( XXXX ), XXXX XXXX/XXXX Acct XXXX ( Experian, XXXX ), XXXX XXXX, AcctXXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX. XXXX ), XXXX XXXX XXXX XXXX/XXXX Acct XXXX  ( Experian, 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 2020-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps trying to use fake numbers to contact me 8-10 times a day. I have asked them to stop calling me several times. They are calling about an ( almost ) 7 year old debt that i have no idea about. I even gave them a verbal " cease and desist ''. They  still have continued harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: JPMORGAN CHASE & CO.
State: LA
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:
JPMCB CARD XXXX ACCOUNT XXXX Reported Late Payment in XX/XX/ 2019 when payments were current within 30 days of the reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$130000.00XXXX XXXX XXXX XXXX   Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-08-08
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I received a car loan from American Credit Acceptance for a XXXX XXXX XXXX. I did become delinquent however when speaking with them attempting to pay off the loan, I was informed that I could only pay using the automated system and to just pay what it tells me too. I did as instructed and paid the amount provided over the automated system in XX/XX/2015, I paid over {$2000.00} when the remaining amount on my loan was under that. I was informed later that I did not pay it off and when I called to find out why they flat out refused to assist me. They did they would pull the call where I was informed that I could only use the automated system to pay the account off and get back to me. They have never gotten back to me. I have attempted to dispute this item several times but every time they cause undue harm to my credit score by  attempting to make the debt appear as new and delinquent. They have charged off my account however continue to charge me a Per Deum on an account that was paid in full 3 years ago. As well as there was nothing on automated system to instruct this was not a total pay off amount. It did state that I was paying the total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my Citibank checking account over the phone with Citibank on XX/XX/. I was told a check for the remaining balance would be mailed out and I would receive it in 10-15 business days. 

On XX/XX/, I called to inquire as to the status of the check. On the call, I learned that my account was not closed by Citibank. I was never notified, by phone or email, that my account was not closed. I closed my account for the second time on XX/XX/. I was informed I would have to wait ANOTHR 10-15 business days to receive my funds. 

Citibank is fraudulently keeping accounts open without customer consent, and further denying ( former ) customers access to their funds.

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 2023-01-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Cease and desist sent XX/XX/2020 and certified as delivered to debtor on XX/XX/2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Dear CFPB, I am writing to file a complaint against Cash App for closing my account without sufficient explanation. My account was closed on XX/XX/2023, without any prior warning or notice. I have attempted to contact Cash App 's customer service multiple times to inquire about the reason for my account closure, but have received no response. 

I believe that my account closure was unjustified, as I have always used Cash App in accordance with their terms of service. I have never engaged in any fraudulent or illegal activity, and have always been prompt in paying my bills and transferring funds. 

I would appreciate it if you could investigate this matter and help me to resolve it as soon as possible. Please let me know if you require any further information or documentation from me. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Harris and Harris Ltd ( XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX ) sent me a " settlement offer '' letter via USPS mail alleging an incorrect amount owed of approximately {$96.00} and offered to settle it. Harris knowingly made these false statements after knowing it had previously received two separate checks via XXXX XXXX in XX/XX/2019 for partial payments. Those payments were never acknowledged in the settlement offer despite knowingly accepting and cashing those two checks. 

Further, upon inquiry, I asked Harris to send me a paid in full letter and they alleged that they do not issue those. As you can imagine, having sent two prior checks that were knowingly left out of the settlement offer, I was weary to simply send another check without any further correspondence from Harris acknowledging payment, receipt of payment and payment in full. Harris ' tactic was to then place me on hold for over 30 minutes. 

Harris has willfully, knowingly engaged in FALSE statements as evidenced in their " settlement offer '' offer letter to me ; they have willingly and knowingly engaged in tactics designed to discourage full and fair transparency for paid in full medical debts and in tactics via prolonged holds to simply delay engaging with me in good faith. 

I finally was let off hold by a XXXX XXXX. I notified them that I am disputing any and all amounts until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Citi Bank just posted to my XXXX credit report that I have not made any payments on my card in the last 90 days. This has caused me to not get approved for a loan an has caused me get hardship. I have attached proof of me making payments.

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 2023-01-02
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
Synchrony Bank is showing a pending sale on my account which is showing an incorrect available balance. The sale was cancelled on XX/XX/2021, and the available balance should be {$2000.00}. The Ashley store Manager is responsible to notify the Synchrony Bank of the change, another example of poor customer service from Ashley. 

This is negatively impacting my credit. 

Regards. 

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 2021-10-05
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wellsfargo has violated me by closing out consumer credit transaction accounts which I as the original creditor had established due to alleged late payments. I paid these people and they closed out my account! Ever since they closed out my account it has caused nothing but harm and an enormous amount of stress. They reported negative adverse information to my credit report which has done nothing but put a burden on my life! They mad violated me yo! Every time I spoke to a representative they told me that my account would not be closed due to covid-19 effecting my income however, when I went to login to my account it was closed down and told me i no longer had any products with them. I was speechless yo ( shaking my head ). They also closed out previous bank accounts that i had with them as well without my knowledge. At this point they have totally committed unauthorized use ( 15 USC1602 ) as the cardholder, I was not granted proper documentation nor the full disclosure that I needed in order to correct, if anything, my payments. I was on an open ended credit plan so there should not have been any alleged late payments at all reported due to the finance charge within the contract agreement which if they upheld their practices accordingly they would know is the sum of all charges! This is discrimination without a doubt and fraud ( 15 USC 1691 ). Because of the negative reports Wellsfargo made to the credit bureaus it has been a hassle getting approved for credit cards, bank accounts, automobiles and living headquarters just to name a few. This has been effecting me mentally and physically over the course of time and i'm tired of the abuse and i'm seeking remedy. I never even gave them written permission to report any of my information to any credit reporting agency which is totally identity theft! I don't understand how banks expect to have our confidence as consumers when they brake the law and build mistrust with its consumers. Absolutely crazy to me.

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 2023-07-17
Company: EQUIFAX, INC.
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: ALLIANT CREDIT UNION
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:
I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 ALLIANT CU Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX INQUIRES ON XXXXXXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a variable rate home loan with XXXX XXXX XXXX XXXX They offered me a rate renewal where I could fix my rate for the next 5 years. I agreed to the terms of this offer and formally applied on XX/XX/. On XX/XX/XXXX I was sent an email saying my rate renewal request was approved, and I was being sent a loan modification document to sign and return. On XX/XX/, I received a letter saying my rate renewal request was declined because Capital One did not receive my signed modification agreement within the required timeframe. However, I never received the loan modification document that I was supposed to sign. 

Today, on XX/XX/XXXX I called Capital One ( spoke with XXXX ) and told them I never received the loan modification document. They are saying that because their system shows they sent the document, there is nothing they can do. And, since they no longer offer loan rate renewals, I am unable to have my rate renewed. This is a terrible process -- I never received anything from them in the mail, regardless of whether or not their system says they sent it to me. Why can't they honor what they originally approved and send me the documents that need signing again, or electronically?

Company response to consumer: Closed with explanation