BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: WELLS FARGO & COMPANY
State: UT
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:
XX/XX/XXXX we had a unauthorized charge to our bank account with wellsfargo. They opened a claim and gave us our money back they called us and received more information from us and said they didnt need anything else here we are on XX/XX/2018 on XX/XX/XXXX two months later they took the money back of XXXX $ sending my account into over draft. When I called my bank asking what this was for they said the claim that they had opened back in XX/XX/XXXX and they never where able to receive information they needed from us. They said they sent us paperwork I have lived at the same address for 21 years I didnt receive anything. I sent in a email from the company who said they would not be taking any more payments from us until our furniture was fixed. And that they needed to order parts and we would make one more payment AFTER it was fixed and we Own the furniture since it kept breaking. We sent the paperwork and emails we had from the company who said they wouldnt take money and did and we also sent in paperwork stating we owned the furniture now from the company Wells Fargo said thats all they needed and it would take 48 hours here we are two weeks later and I keep calling wellsfargo and they dont even have a claim open. I want someone to do something about this they also opened a fraudulent account in my name without my permission a year ago but that is being fixed with someone else.

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 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Capital One credit card. I started making payments via a different checking account. Since doing so, they ALWAYS place a 7-day hold on my payments and will not modify my available credit for 7-days. They say its for my protection but I think its descriminatory. I have been making larger than normal payments and according to a XXXX search that gives them pause. In my case it has happened three months in a row. There have been no returned payments and there is over {$30000.00} in available funds from the account I'm paying from. Capital One keeps telling me they " randomly '' do this, but they are lying. They have been consistently doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and homeless with XXXX kids.

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 2021-11-11
Company: EQUIFAX, INC.
State: AP
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
Bankruptcy : XXXX-XXXX-Asset Amount : $ XXXX-Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
attempted to get a modification agreement done with the mortgage servicer phh mortgage services but they prolonged the process way to long and would not provide a definitve answer. we filed a bankruptcy for protection however the owner of the loan XXXX XXXX has filed a motion for an automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute to public records on my credit report XX/XX/XXXX & XX/XX/XXXX and they came back as accurate. I submitted a request for verification dated XX/XX/XXXX, mailed on XX/XX/XXXX, received by experian on XX/XX/XXXX, stamped by unknown name at XXXX XXXX  XXXX XXXX, Tx certified XXXX XXXX XXXX XXXX XXXX. I received no response related to my request for verification Method. Experian failed to follow procedures set up by FCRA guidlines. I sent a follow up letter on XX/XX/XXXX. XXXX giving them until XX/XX/XXXX to comply. As of todays date XX/XX/XXXX, I have received no response. I am enclosing a letter from the United States XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Wi XXXX, who is the holder of records for Bankruptcies see letter dated XX/XX/XXXX signed by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX stating, " the court does not place information on credit reports. '' Experian claims the public records were obtained from XXXX XXXX XXXX. I contacted XXXX who claims they have no record of a bankruptcy in file for me. See page XXXX of credit report dated XX/XX/XXXX # XXXX. See credit report dated XX/XX/XXXX, report # XXXX, clearly shows XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX & XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX. This clearly incorrect because the address listed is XXXX XXXX XXXX which doesn't cover public records for Bankruptcies which are XXXX. So how can they verify by reporting erroneous information with the wrong court. Experian report # XXXX, dated XX/XX/XXXX also clearly displays the same wrong information, including a spelling error of my name. My name is XXXX not XXXX, That report XXXX shows tenanative completion by XX/XX/XXXX, which has come and gone. This credit bureau continues to verify invalid information and reports invalid information on my credit report in violation of the guidelines provided by FCRA. I wish to have this company held accountable for their actions.

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 2020-10-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I receive 8 calls a day from the collections department. I have notified them I am unable to make a payment they continue to call. I ask to speak with a manager they disconnect and hang up on me.

I have sent something in writing twice requesting the phone calls to stop and to only send written communication. They say they have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: MD
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:
Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and has previously been removed and reinserted in violation to FCRA. 

XX/XX/2017, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations confirmed with the State of Maryland Division of Financial Regulation, Ms. XXXX XXXX as well as Consumer Protection Bureau via complaint filed, the tradeline, XXXX XXXX XXXX Acct # XXXX removed. 

Since this tradeline has been reinserted with additional fraudulent information in violation of FCRA. Moreover, the reinserted tradeline dates have been changed for the purpose of extension of retention and asserted delinquency. 

Consumer asserts this has been a systematic behavior and violation of consumer 's FCRA rights. This appears to remain an oppressive irresponsible tactic targeted towards consumers, derogating their financial face of consumers and limiting job opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : AMEX Account Number : XXXX Date Opened : XX/XX/2011 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERVICE ( XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter dated XX/XX/2021 from Glass Mountain Capital LLC. I did not give Glass Mountain Capital LLC permission to contact me. Glass Mountain Capital LLC used obscene language by alleging I owed a debt. The alleged debt is disputed. I do not have a relationship or contract with Glass Mountain Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE WERE ITEMS THAT WERE DELETED DURING MY DISPUTE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY PREVIOUS LETTERS. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband XXXX XXXX suddenly. I fell 3 months behind and I requested that Wells Fargo please allow a modification of put the 3 months I was behind on the existing loan. They did not. Instead they put me into a new loan before I knew it and my payments were several hundred dollars more a month than before. And now they send me paperwork saying it explains what happened after the fact but this explains nothing. They took advantage of me after my husband XXXX. And I need HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Kingston Data & Credit International Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed multiple times a collection from Kingston collection and anytime fitness multiple times I do not owe them for this account as it was closed and their was nothing oweing on the account when it was closed. Yet they turned me into collections and are calling me harassing me and I do not owe them. They have damaged my credit rating and contributed to my inability to purchase my home. I have contacted transunion multiple times and they say they have investigated and the account info is correct and left the inaccurate info on my account. This is not the only time I have had issues with transunions so called investigations they did this with inaccuracies with 2 XXXX  XXXX  XXXX  accounts on my report that also significantly damaged my credit score and contributed to my inability to obtain a home loan and require me to lease a rental property. Their investigations take longer then they should and they are not adequate. I have contacted the XXXX to help get anytime fitness to acknowledg the collection is not accurate and I will report Kingston professionals in any way possible to put an end to the phone calls and harassment trying to force me to pay a debt that I do not owe. XXXX could easily validate my dispute but from my experience and having this be an issue on multiple occasions on multiple accounts within their reporting of and investigations into my credit report it seems they are not handling their duties as they should and the consequences of this has caused me financial loss, loss of time, XXXX, and all around has had a domino effect that has impacted almost every aspect of my life. Your credit rating is essential to maintaining financial stability and those who are in charge of ensuring its accuracy should hold themselves and their duties to a higher standard then what i have experienced with the handling of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Bread Financial Holdings, Inc.
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: Account information incorrect

Complaint:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After Capital One Data Breach that took place on XX/XX/2019, Capital One Bank sent me a letter requesting documents to establish my identity ( driver license, Social Security Card, Utility Bill and Bank Statement ). Since I have to accounts with Capital One I have submitted the same documents for both of my accounts. Capital One Bank validated my documents for my Neiman Marcus credit card and reinstated it, and accused me of discrepancy for the Capital One Venture credit card. I have called and asked for explanation as the same Bank can't make two different decisions, it is validated or not validated. I have also wrote to Capital One Executive Offices requesting their involvement in this matter but up until today I have not heard back from them. My documents are issued by the State and Federal authorities and their inability to validate them means I have forged the documents. And if so it means I have committed fraud by fraudulently establishing the account with fake documents. They contradict their actions by restricting my one account and reinstating the other. When I call to discuss the matter and request some kind of letter to state the reason for restriction they hang up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of Transunion Inquiry issue, they wont remove inquiries off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the TransUnion, XXXX and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.

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 2022-08-09
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX XXXX sold my debt illegally to another company a collection company XXXX XXXX XXXX in XXXX for {$15000.00} and {$2000.00} without notication. I spoke with a representatives from from the XXXX credit bureaus to try to get them removed. The credit bureaus denied my request to have them accounts removed because is illegal to sell my debt and not report it but still have the original debt holder on my credit report. The company didn't do nothing to help XXXX would like to have these accounts removed from all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX  XXXX XXXX and was told I would get XXXX miles and a free companion ticket. I did not receive these. When I followed up everyone kept telling me to wait. I followed up again as was told I would not receive this at all. I was still charged the {$50.00} account fee even though I did not receive any of the benefits. I cancelled the card and asked for a refund, or even a prorated refund, of the account fee and it was refused. I don't see why I should pay for an account fee when ( 1 ) I don't receive the advertised benefits and ( 2 ) I don't keep the card for the full length of time. I should get a full refund for the account fee, but at a minimum I should receive a prorated refund since I am not keeping the account for the full year. Additionally, you should look into the shady and misleading practices of Bank of America. When I apply for a particular card and am approved, I should not get moved to some other program without my permission and it certainly should not be a bait and switch, misleading situation.

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