BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo bank charged me in XXXX XXXX a late fee. The explanation being that I paid my monthly payment late. This is not true. They have since reversed the fee but as a " courtesy '' and have not corrected their records to show an on time payment. 

The minimum payment for this installment credit is {$220.00}. I have Wells on auto pay from my bank since XXXX XXXX. I send XXXX each time. Each month the check was cashed on time except for XXXX. Wells had my money on time in XXXX ( remember auto pay ) but did not cash it until late XXXX and claimed I sent it late. 

I have written to Senior Management and the BoD asking for an explanation and correction of the records. They have not replied. 

My guess is that they have operational difficulties or trying to extract additional fees from customers.

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 2023-08-22
Company: Experian Information Solutions 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 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 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 explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: 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 items ( A ). It is not permissible to fail to validate these reporting items 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 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 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 explanation
Consumer complaint received 2019-08-27
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received a call from Jefferson Capital Systems LLC, in an attempt to collect a debt of approximately {$1100.00} that was owed to XXXX XXXX. However, I do not have any consumer debt nor have I ever had an account with XXXX. Therefore, I immediately suspected that this attempt to collect money was fraud. 

My suspicion was confirmed when I decided to research Jefferson Capital and one of the first results that came up from my XXXX search was " Jefferson Capital XXXX Fraud ''. 

Please take the appropriate action against this company because while I am capable of determining what is fraudulent, other people are not. 

Thanks for your timely attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to log into my Transunion account to manage a credit freeze. Customer service has been unable to help me remove the lock on my account to login. I have spoken to them on numerous occasions and have sent in the requisite information multiple times. 
I emailed the documents ( Driver 's License & recent bank statement & SS card ) on XX/XX/2023 and on XX/XX/2023. I also mailed a letter dated XX/XX/2023 with copies of my Driver 's License and Social Security card to remove the minor suppression that is on my file. I have spoken to their customer service at least a half dozen times in this period.

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 2023-07-18
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I enrolled and charged XXXX subscription serves to my American Express Blue Cash Card in XXXX and XXXX of XXXX. After using the services for a few weeks, I canceled all of them so they did not renew. After the merchants continued to charge me for the subscription I disputed the charges with American Express. The first charge was from XXXX XXXX on XX/XX/XXXX for the amount of {$32.00}. The second charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$21.00}. The third charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$19.00}. All XXXX disputes were resolved and closed in my favor because " The recurring transaction has been canceled ''. American Express also enrolled my in merchant block which I was told would prevent the merchants from charging this card again. Over the past XXXX  months I have been charged by the merchants above many times for varying amounts. On XX/XX/XXXX I recalled out to American Express to inquire why they allowed my account to be charged for a canceled subscription that had merchant block. The agent was oblivious to the issue and said that they can only dispute charges in the last XXXX days. I requested to have the amount closed, which the agent avoided. They said they can issue me a new card with different numbers. I agreed to the new card but one was never sent. The agent also did the merchant block again and was going to escalate the issue regarding the recurring charges. I followed up and there was no record of the escalation. I have lost thousands of dollars as a results of American Express failure to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Charge of {$3500.00} was made on XX/XX/XXXX to the XXXX XXXX XXXX for a legal matter. For the 60 days following the agreement, the law office failed to correspond with me regarding the progress of this legal matter, did not acknowledge nor return my phone calls ( which had several scheduled phone appointments ) and emails. On XX/XX/XXXX, I emailed the attorney advising that I wanted to terminate the agreement for lack of service on her part. The office never responded. I contacted Capital One to file a dispute on the {$3500.00} charge. Capital One requested more information, which I provided. They then advised me on several occasions that my required documents were received late or I missed a reply to their requests, which I did not. They have said many times in their letters that this file would be closed. I have submitted all available documentation on time, with proof of receipt by Capital One via USPS or email transmittal. My position is that I never received the legal services that I paid {$3500.00} for. 
I signed the agreement with Ms. XXXX 's office in good faith that this matter would be resolved in a timely manner, with an open line of communication during the process. I failed to receive the communication, failed to receive the legal service and now I am at risk to lose the {$3500.00} fee that I paid to the XXXX XXXX XXXX via my Capital One credit card. The attorney claims she performed the expungement but I had to hire another attorney to do so. If she worked for the {$3500.00} then I want proof, which she has failed to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In spite of my previous written request I found out that the XXXX credit bureaus neglect to delete the inaccurate items in my credit file, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The XXXX credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need these following items to be removed from my report ASAP : XXXX XXXX ; XXXX Summer XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX Revels ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX Ct, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.

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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX. On XX/XX/2022 - XXXX charges were made on my Chase checking account a XXXX Retail XXXX Till in XXXX Florida XXXX charge for {$100.00} and XXXX charge for {$220.00}. The charge detail indicated these were in person charges. At the time of these charges I was on vacation in XXXX. 
XXXX. On XX/XX/2022 - Upon my return from XXXX I identified these unauthorized charges and notified Chase. They reversed the charges and provided a new debit card. 
XXXX. On XX/XX/2022 Chase denied my complaint and claimed that as these were in person charges I must be responsible. At this time I contacted Chase and spoke with a Supervisor to find out how to fight this decision as I did not make these charges. I was told to fax or mail documentation to substantiate that the charges were not completed by me. 
XXXX. On XX/XX/2022 Chase received both my written and faxed documentation with my travel documentation showing that I was in XXXX from XX/XX/XXXX XX/XX/2022 and that the card in question was in my possession and that there are no other authorized users on my account. 
XXXX. On XX/XX/2022 Chase provided another denial of my claim. I spoke with a supervisor and was told the decision was based on Chase saying my pin had been used and that my documentation was not sufficient. I asked that Chase provide me with a written explanation of what evidence was needed so I could provide that. The supervisor resubmitted my claim and request again. 
XXXX. On XX/XX/2022 Chase provided another denial and did not indicate what information was needed to prove that I was not in Florida. 
XXXX. Chase needs to correct this problem by removing the unauthorized charges from my account XXXX. Chase claim information - Date of Inquiry : XX/XX/2022 Claim Number : XXXX Card ending in : XXXX Claim related to XXXX ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: HYUNDAI CAPITAL AMERICA
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00}.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX FS XX/XX/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 2023-07-18
Company: U.S. BANCORP
State: NC
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:
I got a secured credit card with Us bank, I put XXXX dollars in the account was trying to build my credit and suddenly they closed my account without previous notification affecting my credit score for XXXX XXXX. So I called them to see whats going on, they said they cant verify my identity. So I sent them a copy of My driver license and social security, They never fix the problem, so I called them to Send my secured deposit back, and they refused to do it. So Im feeling discriminated because Im XXXX, they assumed the person on the the account its not 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 2023-01-22
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX Acct XXXX # XXXX has an incorrect amount on my credit report with XXXX and Experian. I have received a XXXX from XXXX and the amounts are different that's on my credit reports. The amounts on the credit reports are a lot higher than on the XXXX, making the amount owed higher than the actually are. The reports are suppose to be accurate and they are not. They were allegedly verified as accurate by both credit reporting bureaus.

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 2020-11-02
Company: Southwest Credit Systems, L.P.
State: MD
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:
A year ago in late XXXX of XXXX I discovered a derogatory mark in the amount of {$270.00} on my XXXX XXXX report. Upon further research, this account was transferred/sold to Southwest Credit. So on XX/XX/XXXX I sent Southwest Credit a U.S.Postal Service certified letter to verify the debt from this so-called collection agency. Southwest Credit never did verify the debt, NO written form of communication, contract, or signature for this accused debt at all. Then out the blue on XX/XX/XXXX ONE YEAR later and Extremely LATE this same agency FINALLY response with a poor quality photo copy of a bill anybody could've sent and said was mine. Nothing I even requested in XXXX of XXXX was ever sent. According to the FCRA Southwest Credit has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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