BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have had my Conn 's installment loan for 3 years now. I opened this at the store in XXXX, TX. I had identity theft, which led to the payments being sent back from Conn 's on what otherwise would have payed off on the loan. Well Conn 's called me and offered what they called MATCH pay they said if i paid the two payments of {$230.00} they would waive the late fees, and match each payment after two consecutive months of payments. I paid the two payments two different months. Conn 's never matched my payments. I called them over 15 times, i asked their agents why i was lied to and told them to take a look at my notes on my account it clearly states match pay was approved. It 's been over 5 months and Conns still has n't matched my payments. I have called again and was told to call back in a couple weeks they are still reviewing it and will apply the payments soon. NEVER DID THEY APPLY These. My balance should be XXXX $ i would have then paid it off by now. I was promised this match pay by their management. When i called Conn 's credit. They keep telling me i owe XXXX $ because they have n't completed my match pay. When i ask why they keep saying they do n't know its a different department but they do see the notes on my account. So they are falsely reporting on my credit report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.

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 2022-02-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago - several charges showed up on my Wells Fargo bank account -I set up for my small business- I opened the account with {$1000.00}. 

I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. 

I explained to the bank - that my card was lost for some time - ( 2 months ) and that I did not have the card in my possession for the time the charges were made. 

They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.

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 2020-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've overpaid my credit card by {$1400.00}. Since early XXXX, I have attempted to have my balance returned to me. They first said a check would be sent. After 15 business days, I called and they offered to electronically send it. I waited 5 business days, it didn't come. I called them multiple times in an attempt to collect my money and was told multiple times it would be transfered. Finally, an " account supervisor '' said the payments needed to be verified over the phone with my personal bank. We did that in a phone call that took about an hour. I was again assured that the money would be transferred to my bank in 5 business days. It was not. I called again and they told me their " back office '', had decided to cut a check and that I would receive it in 10 business days. I have no reason to believe them considering they have told me many things before and nothing has ever come true. I have no idea what to do at this point. This is {$1400.00} that is rightfully mine and I need it back. I sure do hope this helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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: Investigation took more than 30 days

Complaint:
A letter was sent to Experian on XX/XX/2019. Included were 4 accounts that needed to be updated or removed. This was a follow up letter for my initial request for validation of debt that was also ignored by Experian. This investigation was originally started XX/XX/2019 and additional time has been given to allow the bureau to complete its investigation. The items are clearly not reporting correctly or a response to the dispute would have been issued.

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 2017-07-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: NRA Group, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX I flied a complaint with your bureau for assistance against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX  , XXXX & XXXX  credit report in which they claim I owe directly to them on behalf of XXXX . 

XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group LLC, has received this complaint. We mailed a notice to the consumer on XX/XX/XXXX and it came back as mail return. It is the same address the consumer provided on this complaint. Without a correct address we can not send anything- the consumer could have provided us with a updated address and billing would have been mailed. As of XX/XX/XXXX the account has been marked as paid - the client reported a payment to us and the account is closed. The credit bureaus will be updated as such. Once they are updated it could take them 30-90 days to fix the consumers credit. If they wish to expedite this process they will need to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX A ) 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 2021-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
1. The complaint I filed back in XXXX was a mistake. At that time, I filed a complaint about my credit card account. I never knew I had another account number ; I thought I only had one credit card number. Therefore at the start, I thought that the account number was not mine. Later on, I found out that that account number was mine, it belongs to the same account as my credit card number, so I called customer service to explain the situation and canceled the complaint. Because I do not speak fluent English, my son made those calls for me. The bank can look up my call recordings. 
2. The account that is currently closed is my checking account. Nobody stole my information, I opened the account by myself. The branch is Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I opened the account on XX/XX/XXXX, and the account opening amount was {$10000.00}. All the balances in the account are from the checks paid by my company -- it is my legal income. I can offer any proof for identification. When my account was closed, there was a balance of {$3900.00} left.

3. Specialist XXXX contacted me, and I picked up the call myself. I do not speak good English, but I explained to her that there was a mistake, that the account I filed a complaint on is mine, that my identity did not get stolen. She said she wanted to ask a few security questions, I said that I am going to work at the moment, we can do it at XXXX XXXX  or after, but there was no further contact. Then I received an email notification on XX/XX/XXXX, that the account was about to be closed, and the email clearly stated that if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. But now, the bank refused to pay back my account balance, as the {$3900.00}.

4. In the reply, specialist XXXX mentioned, decline your request for any additional monetary compensation referenced in your complaint. This reply was preposterous because I never asked for any additional monetary compensation but to get back all the balances left in my account. In fact, the specialist dodged my question in her reply, and never even mentioned how the balances in my account will be dealt with.

5. I demand the bank to answer clearly how the balances in my closed account will be dealt with. I demand a refund for all the balances left in my account, just like what the email the bank sent to me stated, if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. 
The Wells Fargo case ID : XXXX and 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 2019-08-01
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX /XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.

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 2019-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on my Experian credit report regarding an account with XXXX XXXX XXXX XXXX account number # XXXX. I have requested that this account be removed from my file. It was recently added to my Experian credit file without me being notified of its existence and therefore I was not able to dispute this article in timely manner. I also requested of Experian to send me any and all information regarding this occurrence such as when its was added to my file, a copy of the notification sent to me to notify me of this action, who authorized this filing and why was I never notified of the filing originally. I have also repeatedly asked Experian to update personal information on my file that is incorrect such as places of employment, places of residences, phone numbers and persons associated with me. I have never received notification of their investigation into my personal information and unless I purchase an upgrade to their company, im not allowed to see this information further. 

thank you for your time and support 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 2020-02-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/XXXX each time XX/XX/XXXX XX/XX/XXXX I have asked for validation of debt with original signatures and Original dates when account first open and they refuse to send it. I keep getting back debt verify with a statement. It was taking off my credit report back in XXXX by Lvnv funding LLC then it comes back as finger hut, then that is taking off then come back again as Lvnv funding LLC. Its like theyre going back and forth between companies reporting and not sending the information that is needed. The amount is XXXX as of XXXX it was just added back to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I returned over {$80.00} worth of brand new merchandise at the beginning of XXXX. I have faxed in documentation of the return ... I have called several times with a promise of the account getting credited. To date, XX/XX/XXXX, I still show a balance for this amount on my credit card. A return to be credited to my account taking 2 months is beyond unacceptable. PLease help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received multiple notifications by mail and phone. The most recent notification came by mail dated on XX/XX/20. 

Ive written several times and call to stop harassing me and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been trying for two and a half years to get XXXX XXXX XXXX  and XXXX to report a accurate information on my mortgage loan. I financed my mortgage originally with XXXX XXXX XXXX  XXXX XXXX. A few years later XXXX XXXX XXXX  bought XXXX. In XXXX I had to file for Chapter XXXX protection. I continued to pay my mortgage as usual. I have never been late. My mortgage history was reported properly by XXXX XXXX until XXXX. That is when my nightmare begin. They begin using XXXX to collect their payments. Then all of a sudden all of my mortgage payment history disappear. I have reach out to both companies for two years, but nothing has been resolved. XXXX XXXX actually sent a letter stating that they would correct my credit reports and simply reversed the decision to correct. XXXX is none responsive and places the blame on XXXX XXXX and XXXX XXXX places the blame on XXXX. In the meantime, my credit reports are not reporting my positive pay history which is impacting me in a negative manner. I need assistance with this matter. Please advise.

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 2021-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XXXX/XXXX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. It was opened on XX/XX/2018

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 2018-01-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I disputed a charged off account listed on my credit report ( XXXX XXXX XXXX TX - Acct. XXXX ) in XX/XX/XXXX, I received a updated report on XX/XX/XXXX showing the account had been deleted. XX/XX/XXXX I received a new alert that the account had been reinserted back onto my Experian credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my 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