BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: R.A.Rogers, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ra Rogers Inc Collection contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this Ra Rogers Inc Collection an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be  dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: CORELOGIC INC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX ) has been unable to pull my XXXX credit report, after various attempts. The leasing office receives an error telling me to contact XXXX. I've been calling XXXX numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is using a company Core Logic to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my XXXX 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 2020-07-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email to check my mortgage statement for information re my mortgage. I did and there was no message or other information just a statement that showed the amount due which was the same as previous months. I checked the mortgage activity and found a statement saying Escrow refund {$1100.00} I called Wells Fargo my mortgage servicer and was told the bank audited my escrow account and generated a check in that amount. I had been adding money to the escrow account to cover estimated real estate taxes which are due in XXXX as last years taxes were paid assessing the property as not completed and were substantially lower than this years taxes will be in the neighborhood of {$2000.00}. 
The bank never provided me with a report of the audit nor asked me why or what I would like them to do or why I had been increasing my escrow payment each month. They just arbitrarily refunded an amount. After waiting on hold for almost 2 hours and being transferred 4 times I looked up your web site and found they were not in compliance by not notifing me of what actions they had taken and the status of the audit I notified them I was filing a complaint. They refused to call me back and said I had to stay on hold.

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 2020-07-13
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything

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 2020-07-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my TJ Maxx credit card since 2016. I have always paid it. Over the last 4 years, Synchrony Bank ( the company over the card ) has decreased my credit limit because of their policy on random credit report checks. I haven't said anything regarding any of that over the years. Now, 2 months ago, in XXXX, I paid off the remaining balance that I owed on that card ( it wasn't past due at all ), totally approximately {$150.00}. Two days later, unknown to me, they close my account. I don't find out until mid-XXXX when I tried to use my card, assuming I had my whole balance available. I called and spoke with a representative and she said that when they checked my credit, my score was low, so they closed the account. Now, I have 2 other accounts with Synchrony bank as well, XXXX  credit card and Victoria Secret credit card. I went thru and checked the activity on those accounts and noticed that they decreased my limit on those cards. I filed a XXXX  complaint and the company said, " they reserve the right '' to do that and that they would not be seeking a resolution. My issue is this, WHY, out of 3 accounts, did they close the one that I didn't owe money on?? Why not close the other card accounts as well? And HOW is that even ethical?! When I spoke to the representative, she said the account was closed TWO DAYS after they posted my payment, paying the balance off. They claimed to have sent me a letter stating what they were doing, but I never received any such letter and have had issues receiving correspondence from that company in the past. Of course, they claim to have sent it.

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 2021-10-14
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opted out of overdraft protection. My bank allowed 8 different debit transactions in the month of XXXX. 

I contacted my bank about this issue and they refused to refund the over {$300.00} in fees despite confirming that I opted out of this service. 

I am reaching out for help further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had several loans from XXXX XXXX located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.

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 2018-10-17
Company: JPMORGAN CHASE & CO.
State: NY
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:
I was really surprised when I found a late payment [ XX/XX/2017 ] on my credit report. 
I don't know how this has happened. I make my payments to you when I receive my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2022, I received a notice from a merchant ( XXXX XXXX ) that my Capital One credit card ending in XXXX was declined. 

That same day ( XX/XX/2022 ) I called to check the status of that card and was informed that my account had been restricted. It was unclear as to why my account was restricted and the Capital One representative I spoke with was also unclear on the reason. 

I proceeded to close my Capital One account based on that information on XX/XX/2022. I did so with the representative over the phone on XX/XX/2022. The representative said that once the account was closed, it could not be reopened and that all auto transactions tied to the account would be declined. I confirmed this information and closed the account on XX/XX/2022. 

I received my final statement from Capital One and two charges appeared on the statement - one on XX/XX/2022 from XXXX XXXX XXXX XXXX for {$52.00} and another on XX/XX/2022 from XXXX for {$2.00}. Both charges occurred after the closing of my account on XX/XX/2022. 

Giving Capital One the benefit of the doubt, I paid the statement on XX/XX/2022 assuming the charges were processed before XX/XX/2022. Following the payment of the statement, I received notice from each merchant XXXX XXXX XXXX XXXX and XXXX - that the payments from Capital One had not been applied. 

I called XXXX XXXX XXXX XXXX to inquire why the payment had not been applied and they stated that they ran the card three times on XX/XX/2022 and each time it was declined. XXXX also sent a notice via email that the Capital One credit card was declined. 

Having already paid Capital One for these costs that were never given to the merchants, I called Capital One to sort the issue out. I spoke to several representatives and no one understood the situation that I paid Capital One for services they did not render to the two merchants. I was told to fax my complaint with supporting documents to Capital One, ( documentation of Fax receipt is included in my documents ) but I didn't receive a response or resolution. 

It is necessary that Capital One refund me for my overpayment of {$52.00} or send payment to the merchants. I have included a statement from XXXX XXXX XXXX XXXX showing there was no payment from Capital One to my account in the amount of {$50.00}. I have also included a copy of the email from XXXX outlining the decline of my Capital One card in the amount of {$2.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a derogatory mark on my XXXX credit report stating that is accurate and it got sent to collections. However i was never notified about this debt at all and never received the bill. I would like to address this immediately and get this negative remark removed from my report. The original creditor i never did business with them. My id and ssn card was stolen along with my wallet so this is also an act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XX/XX/XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I cashed a check of {$4900.00} to my Wells Fargo account ending in XXXX on XX/XX/2020. I called Wells Fargo to let them know if was a fraud check and they indicated I could not cancel the pending mobile deposit. 
The check was deposited and I was given the {$4900.00}. Why was I given {$4900.00} if the check was fraud? It wasn't even from a real bank. How does Wells Fargo allow this for their customers? There is no safety for customers if that is the case. The money ending up getting reversed due to Wells Fargo not taking action when I told them ( on a recorded line ) that it was fraudulent. They did close my account and took action on my account ending in XXXX but NOT my checking account ending is XXXX. This would have not happened if they would have took my voiced concerns of fraud and safety when I called to tell Wells Fargo about the fraudulent check. I have received a letter from Wells Fargo denying my request for a {$2000.00} reimbursement ( see attached ) due to further investigation on a claim ( XXXX ). I have called the claims department several times to let them know that this transaction was NOT authorized. I was given a letter indicating that Wells Fargo combined all of my claims into one claim. There was a reson why I submitted multiple claims. I am aware as a customer I had told Wells Fargo that I sent two XXXX  transactions as instructed but the {$2000.00} was NOT apart of the charity or donations. Again, I told Wells Fargo that several times. 
I submitted a claim in the amount of {$1700.00} that was sent to a charity due to a job offer I took. The employer was a scam, he said he would pay me if I worked for him ( which I did what I was supposed to do ) and they ended up reversing the check. 
I was told I would receive the {$2000.00} from Wells Fargo and that the CASE WAS CLOSED on XX/XX/2020. 
Why was the case reopened? I am again requesting my {$2000.00} to be reimbursed into my account. I was told several times by Wells Fargo when I tried to get it reconsidered that " since the case is closed, there are no options to edit it. '' So why does Wells Fargo get to chose when to re-open a claim? Wells Fargo should not have closed the claim if they knew they had further investigation. I also never informed Wells Fargo to consolidate my claims. The {$2000.00} was not authorized and that was for merchandise that I purchased and never received along with the {$950.00} claim ( but this was got approved. ) This makes no sense why my latest claim got approved but this one did not. Please see attached for the letter sent to me from Wells Fargo. This is unacceptable.

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 2022-12-06
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 information incorrect

Complaint:
Please see attached document and add documentation to submitted complaint for Equifax XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX XXXX XXXX XXXX XXXX, acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation