BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I held accounts with Wells Fargo for multiple years, and found out via my bills bouncing that my both my checking and savings accounts had all been immediately closed on me with no warning. This happened about XXXX of XXXX I had money from my direct deposit from work in my checking at the time they closed it, and {$1400.00} in savings i needed in order to move into my new apartment in XXXX of XXXX 
I have attempted to go in person to a branch and get told i have to call a specific phone number. I've also called that department as directly multiple times each month since this happened. I've been told multiple times that they are mailing a check with the contents of my account, and even told they have reprinted and resent the check as well. I have given them multiple available addresses to me to mail this too as well and nothing as arrived to any of them. 
They claim that my account was flagged as " Spam '' even though I was a customer with a decent history with the company. This made me unable to access my deposits I needed to get into my new apartment and has caused many issues since. I am currently in debt for the amount they owe me so that I could secure my apartment.

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 2019-02-22
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
Equifax is completely disfunctional. I am not able to get my 'free ' annual credit report online. I can not check the status of a credit freeze on their website. 
On XXXX XXXX, 2019, I tried to get my free annual credit report from Equifax online. After providing all of the necessary information, I received a message that credit reports are not available online, and that I would need to print, fill-out, and mail an 'Annual Credit Report Request Form '. The form requires my SS number, DOB, full name and address, and directs me to send all of this vital information through the US Mail to an address labeled : Annual Credit Report Request Service! 
How insane is that? 
I am on a secure website which will not allow me to get my annual credit report, but I can send all of my information through the mail with a big red flag on it that says 'please steal my identity '? 
Equifax is a terrible company that puts every roadblock imaginable in front of the consumer. 
XXXX and XXXX are near-perfect. It is a startling contrast. 
Please, please force Equifax to either provide the services that they are required to provide to the consumer, or make them leave the market.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXX/XX/2022

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 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 2021-04-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last year XX/XX/XXXX, i bought a watch in XXXX watch in XXXX XXXX  mall and there is zero interest for 12 months in TD bank credit card for XXXX ..So i owed XXXX dollars and in start paying XXXX dollars a month and its auto pay, no late payment.Now XX/XX/XXXX the zero interest rate was expired and i have remaining balance of XXXX dollars only, however on the month of XX/XX/XXXX the interest kick in and i understand that but it is not acceptable that they charge my credit card account for XXXX dollars something for interest.In which i owed only XXXX. 

I dont understand why they charged my credit card is so high, it is more than 100 % intere3 charge..I escalate the issue in constumer dept and they didn't help me. 
Pls help this matter.I am being consumer helpless regarding this kind of abusing credit cards company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: AVANTE
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:
Avante USA has opened two old accounts from XXXX as brand new accounts on my credit report. This action will extend the amount of time that the accounts can legally report on my credit report and makes me appear high risk to lenders with new collections accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: JPMORGAN CHASE & CO.
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX Jpmcb card service 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 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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 want my due date on days XXXX every month. Customer service dont want to change the due date to the day I want. I have a charge on XX/XX/2019 of lafe fee of XXXX $ and I dont make late payments. They process a payment on my account they can not pause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: KS
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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2019-12-04
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called today because I received a letter about my loan. She asked me when I could make a payment I stated on the XXXX. She asked how many I stated one. She then stated then I'll contact the lawyers They had previously used a lawyer to get a payment by way of a lawsuit. I was shocked by her threat

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 2021-04-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-06-01
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed the following account XXXX with Navy Federal they removed the account in XX/XX/XXXX then in XX/XX/XXXX put the account back on my credit report. Under another number XXXX. The reason I have a problem they are not reporting the account correct on my credit file. On all three bureaus the account number should report the same there is all type of inaccurate information that I have pointed out to Navy Federal and they are ignoring me. If you look at the Credit screen shot in which I have included with this email the inaccuracies are in violations of my FCRA rights. Transunion is reporting the account number as XXXX and Experian shows XXXX, Date opened XXXX displays XX/XX/XXXX and XXXX  shows XX/XX/XXXX, it is in violation for a closed account to show a payment. Date of last activity XXXX  displays XX/XX/XXXX and XXXX  shows XX/XX/XXXX. Date of last payment XXXX  displays XX/XX/XXXX and XXXX  XX/XX/XXXX when you can clearly see on my report that my last payment was XX/XX/XXXX XXXX  shows OK but XXXX  shows 30 days late. XX/XX/XXXX made a payment XXXX OK, XXXX  shows me 120 days late. XX/XX/XXXX XXXX show me 120 days late but XXXX  shows 90, made yet another payment in XX/XX/XXXX XXXX shows me 30 days late but XXXX  shows OK, XXXX shows the same things XXXX  payment OK but XXXX  shows me 60 days late and if you look at XX/XX/XXXX I was 120 days late but in XX/XX/XXXX XXXX shows me 120 days late and XXXX  reporting 150 days late. All these inaccuracies are in violations of my FCRA rights. I have requesting a 1099-C debt of cancellation they ignored me and took the account off my credit only to put it back on under another account reporting worst than it was. I am requesting this file to be removed from my credit file or provide me with a valid investigation including payment records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
They have frozen my card like it dont exist! I have called 9 times today in total of 6 hours on hold waiting to talk to someone! 
2 months ago my account was doubled charge every time I used it and they never reimbursed or mailed me anything to dispute these charges, This should not be allowed to happen to anyone. 
I got new card because when I had this issue that was their suggestion to fix my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The list down below has violated my federally protected consumer rights to privacy confidentiality under 15 USC act. 1681. 

XXXX last reported XXXX XXXX XXXX in amount of {$470.00}. 
XXXX XXXX XXXX XXXX and the amount of {$650.00} last report it was XXXX XXXX XXXX 
XXXX XXXX XXXX  account resolution services last reported the seventh XXXX at {$700.00}. 
XXXX XXXX XXXX XXXX last reported XX/XX/ in the amount of {$1000.00} Capital One Bank in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a bank account with Well Fargo. There was an introductory offer that if I made 3 consecutive direct deposits of {$500.00} or more for 3 months, then a {$200.00} sign up bonus would be applied. I met those requirements but did not see the bonus by the time if was supposed to show up.

I then contacted Wells Fargo the service rep stated I met the requirements but the service rep said they would not pay it. To quote the service rep precisely : Mr. ________, I reviewed your account and our records show that the requirement of the campaign were met and we are therefore not able to issue the promotional 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 2020-11-27
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I made a ACH deposit on my Binance.US account of {$200.00} that was chargebacked, I thought it was my fault but it wasnt because I had funds in my account I even called my bank to check and they informed me it was not there fault. Still i settled the dispute by making a debit card cash deposit of {$230.00} on XX/XX/2021 to cover the chargeback. I have contacted Binance US multiple times since then asking for for my trading to being enabled but I have not gotten a reply, instead just 2 weeks ago I tried to log into my account and when I did I got a notice that my account has been locked!!! I have tried to contact them but I have not gotten any replys. I Payed back the money that was charged back I dont understand why they have locked me out please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2023-06-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am still being affected by covid 19 and I need another payment waiver 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 2020-05-26
Company: Resurgent Capital Services L.P.
State: PA
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 company is reporting inaccurate, incomplete, and old information on my credit report. They refuse to validate the debit. They also refuse to really address any disputes in a reasonable legit fashion. They are not following the FCRA guidelines and are unwilling to work with me to resolve either one of the illegally reported accounts they claim to have on me to the credit reporting agencies. This company has violated my rights to protected access by leaving messages claiming false statements about debit on public answering machines. One rep spoke with someone other than myself and clearly gave them my personal identifying information including social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX multiple times thru certified mail in seeking a validation not verification of a debt supposedly owned by me on XX/XX/20, XX/XX/20, and XX/XX/20. I have received no validation that the debt they are trying to collect on belongs to me. They are still continually illegally reporting on my credit report since they have failed for 7 months to validate this date. I will be taking them to small claims court if their illegal reporting continues and for defamation as they are continually trying to ruin my credit. Attached are all the letters i have sent to this company and received no validation or response in return. I have the certified letter receipts that I will be bringing with me if i sue this company if we can not get this fixed by this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent in letters to dispute these inquiries and they remain. I didnt ok them and they should be removed.

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