BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made deposits to my account several times and when a check was returned as a result charged my account for the amount of the check and I never received money from it XXXXit has ha0pened more than once and I am XXXX - right now as we speak because of this

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 2022-10-06
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XXXX and early part of XX/XX/2022, i noticed that my debit card had multiple unauthorized charges that summed up to {$2400.00}. I immediately called my bank XXXXBNY Mellon and reported the issue. My old debit was closed and a new one issued. I was told an investigation will take place and i should get the unauthorized funds returned to my account. However, i was shocked when i checked my mail around XX/XX/2022 and received a letter from Card Services at my bank notifying me they closed the investigation because they had called me once and were unable to get hold of me ( yes one time ). I was told to call the number on the letter ( XXXX x XXXX ) if i had any issues regarding the letter. I have called that number atleast 40 times in the last month and left messages and no one ever returns my calls. I then called card services at my bank to notify them of the situation and i was told to write an appeal and fax it to XXXX. I wrote an appeals letter and faxed it 9 times on different occasions and never heard back from my bank. I then called card services to notify them that it's been 2 months since i filed a dispute and they have been ignoring me. I have spoken to several managers at the call center and they keep ignoring my plea and appeal. The only response they give me is for me to wait and some one will call me one day. It has BEEN OVER 2 months and i feel robbed by my bank. I need my money refunded with interest immediately. By the way i have a fidelity investments trading account and XXXX/BNY Mellon is the bank managing the checking account. WORST BANK EXPERIENCE EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: HUNTINGTON NATIONAL BANK, THE
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 opened a Loan with Huntington National Bank X/XX/2006 for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but XXXX removed it along with other positive items from my credit report only to report negative collection items with around XXXX inquiries due to identity theft. According to the FCRA the Huntington National Bank Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by XXXX office of consumer affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: ID
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 had a credit inquiry from Citibank but I havent applied to them.

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 2023-03-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo closed my account without any justification in the beginning and after two months they explained that my account was used in some unverified transections via XXXX, which were verified but for couple months without any explanation they eventually closed my account

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 2018-02-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
The Credit Card Company is HSBC.

1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 
2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far.

3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me.

NOTE : Their Customer Service is terrible as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX  XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX {$2500.00} XX/XX/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 2023-03-15
Company: Innovative Funding Services, L.L.C.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied for a 2.91 % lease buyout with Autopay. Turns out they don't offer 2.91 % and they do not offer lease buyouts. I deleted my social security number before I submitted the app. The language stated the social security number would give them a more accurate determination. However, without the social security number they would provide a range. Both were false statements. They some how encrytped the number and had it when Autopay rep called. I was told they don't have 2.91 % even though it's on their website. I started getting calls from TRESI a company affiliated with XXXX. I never applied for a loan with them. Their representative called me to put an application in and I refused. I never applied for credit with them. 

I received a notice of adverse action and I never submitted an application. I never gave them my social security number. I have superior credit score and I demand action. This is outright fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had sold a phone i got and called my cell phone provider XXXX to close the account and cancell my service. They said they will get it taken care of. Got a bill in the mail a month later with ridiculous chargers. They never closed the account and the person I sold the phone too was using my old service which wasnt an unlimited plan. 

I call and dispute and they said they would fix it and dont pay the bill. So I dont Then I get 2-3 more bills in the mail with late fees and more charges from the provider. I dispute again and they tell me that I never asked to close the account. Which I did. So then they finally close the account and they tell me that I still owe that money even tho they messed up big time. 

I create a XXXX complaint and have corporate call me 3 times. By now they already but my stuff into collections still while its in a dispute phase. And they said they would look into it and they apologized but they never got back to me. When I followed up I got the head of corporate on the phone and they ensured it was going to be taken care of. 


3 years later its still in collections and they are still trying to collect a debt I dont owe. I disputed the debt with the collection agency multiple times. And they hang up ever single time. I call them back and they still hang up. 

I recently successfully disputed it without a hang up and they still are destroying my credit with false claims. I told them to send a itemized bill and proof of debt and they havent sent anything to me. No proof that its owed and no proof that it is my debt. 

Yet its still impacting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Re : XXXX Axos letter dated XX/XX/2022, in response to the CFPB complaint, wherein they mentioned that funds ( {$5000.00} ) will be remitted directly to the institution ( XXXXXXXX XXXX  ) no sooner than 60 calendar days from when the funds were credited to my Axos account ( ACH transfer received by Axos on XX/XX/2022 ). So, 60 calendar days would be XX/XX/2022. 

Kindly arrange to have the funds returned accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter to Experian on XXXX XXXX disputing the items on my credit. However, they have not been complying with my dispute request. It's been 30 days and I haven't heard back from them so I sent them a Demand to Comply on XXXX XXXX that told them my initial dispute.

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 2022-10-06
Company: OneMain Finance Corporation
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company is a first class harasser. If one day and I do mean ONLY ONE DAY has passed after the payment due date they are calling more then 4 times a day asking for payment. They harass even when the payment has been scheduled. Per FDCPA a creditor may not call more than 8 times during a week, these people in less than 2 days accomplish that. This company needs to be held liable for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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:
I am writing to report the inaccurate and inconsistent information that Experian and XXXX have reported on my account with the DEPARTMENT OF EDUCATION Acct # XXXX. Despite my multiple notices of disputes, they have failed to correct this information, which is in violation of the Fair Credit Reporting Act & 15 USC 1681i.

According to 15 USC 1681i Experian and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have failed to do so. 


I have noticed significant discrepancies in the information that they both have reported on this account. Specifically, they both have different open dates for the account, the original balance differs, payment history, and the term length for the account is inconsistent. Lastly after disputing theyre supposed to update the account asDisputed by consumer in which they did not. I am entitled up to {$1000.00} per violation per the FCRA. 

These inaccuracies have caused significant harm to my credit score and have made it difficult for me to obtain credit. Despite my multiple notices of disputes and requests for corrections, they have failed to update the information on my account. 
Therefore, I am requesting that you take immediate action to delete the account on my credit report with the DEPARTMENT OF EDUCATION for multiple violations. 

There failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek compensation for any damages that I have suffered as a result of their violations and poor practices. 

Furthermore, I expect to receive written confirmation of any actions taken by both Experian and XXXX to correct this matter. I have also filed a complaint to the XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Evidence provided below.

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: JPMORGAN CHASE & CO.
State: VA
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:
I signed up for a credit Card thru Chase. The card was marketed as 0 % APR with NO fees. I recently traveled abroad and used the card or few purchases. Chase added 5 % transaction fees to the transactions in the latest statement. Upon confronting them about the issue, they are not willing to accept any wrong doing or willing to take off the fees. In addition to that, Chase is not willing to accept that they solicited false claims and marketing claims about the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX- $ XXXX closed andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX XXXX accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX XXXX XXXX XXXX  accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX- $ XXXXCollection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AL
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 have no knowledge of this transactions in relation to fraudulent activity pertaining to my personal documents, and I'm currently in the process of completing identity thief applications through third party services to freeze and/or lock my credit to ensure no more fraudulent attempts while the anonymous suspect continues to complete credit application the caused the below listed Hard Inquiries. 
By phone line I requested a removal letter from each of these companies in which I was denied access due to me not having the address that the suspect used to attempt credit transactions. 

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 non-monetary relief
Consumer complaint received 2017-10-06
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement 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 monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
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 Account 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 a account without my written instructions,

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 2021-03-15
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase is a scam. They do not respond or answer the phone. 

I accidentally flagged my account as compromised and there is no way to reach the company via phone, online ticket or email. They do NOT respond to anything. They will happily take your money and lock you out of your account, never to get back in, thus keeping your money.

Company response to consumer: Closed with explanation