BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

XXXX keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

Transunion- investigate all unauthorized inquiries and nvestigate on collection and mail back findings.

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 2021-10-28
Company: Square Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX, {$2600.00} transferred out of my account via instant transfer to card XXXX Same day {$39.00} was refunded for transfer not being made instantly XX/XX/XXXX, my bank sent back {$2500.00} was sent back to my account as a chargeback. I was told that it could take up to 45 days to be credited XX/XX/XXXX, my bank spoke to your process partner XXXX that {$2500.00} was processed by them but they can't see where it went only cashapp can. My bank spoke to them on XX/XX/21. 


XX/XX/XXXX, was the 45th day and my money {$2500.00} still hasn't been credited into my account. 


Reference # XXXX Tracing # XXXX This is my banks reference and tracing number of the charge back sent to my account. 

My bank has explained to me that cashapp has my money of {$2500.00} as of XX/XX/21. XXXX did process the funds on that day.. 
XXXX needs to be contacted to manually credit my account with cashapp. That has to be done by cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I sustained major damage to my property as a result of a tropical storm in 2017. I had to restore the roof on the commercial property and Wells Fargo was fully aware of the property damage. I have a letter in which they clearly state that they would grant me a 3 month grace period to allow me time to repair the property after the storm. They now claim they have no proof of allowing me the opportunity to do so by way of the grace period. As a result, they foreclosed on the property based on falsehoods. They should be investigated as I can produce the document which counters their claim of not being aware a request for grace period when the action was actually voluntary of their behalf. 
I also think that Wells Fargo falsely charged my account for insurance that I have always carried.

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 2023-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank which is Wells Fargo RESTRICTS me from using my debit card outside of my area and out of state this is the first bank Ive ever been with that restricts there customers from using there debit card out of there area or out of state Ive been fighting with them for the last couple of months and have gotten no answers all Im being told its there card they own it and thats why they are doing it Yes they may own the card but they DO NOT OWN MY MONEY!!! Ive filed a complaint with the OCC and have not heard nothing from them so Im coming to you for help.. I am a XXXX XXXX and I cross all XXXX states I shouldnt have to be worrying about being able to use my card without being declined because Im out of XXXX. this is wrong!!! As fars as Im concerned its Harassment.. I feel like They are controlling where and when I spend my money again this is not right and as fars as Im concerned illegal .. They need to stop harassing me and stopping me from using my card where I want too they want me to do a travel plan and Ive told them its very difficult for me to do that considering what I do for work..

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 2023-11-09
Company: Meridian Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I responded on XX/XX/XXXX requesting proof of all documentation and sent a certified letter on XX/XX/XXXX requesting they respond in 10 days. It was signed on XX/XX/XXXX. I received no proof or correspondence at all. 
On XX/XX/XXXX I discovered they put a collection account on my credit report for XXXX I want it removed and will hold them liable for any problems it causes with my 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 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX summary 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 Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2017-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On X/2017 kohls/Capone reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
For the last 2 weeks I have been trying to find out why I owe XXXX. In the process of doing this, I have been treated quite poorly.hung up on, cold transferred, told I must be so very bored must be why Im calling..reps refuse to write accurate notes, overtaking, etc. 

I have told numerous supervisors that when reps become polite and respectful, I would and will be happy to discuss this debt.no return calls from any supervisor to date. 

With my Severe XXXX, dealing with these blatantly rude reps and supervisors is causing me a great amount of distress. 

I am very sick and tired of reps being rude and condescending. 

I had requested that this company ask XXXX exactly what the bill was for as I paid XXXX via bank automatic withdraws every month. 

After a month of not hearing back from this agency, I called and was told that I refused a letter from XXXX am so very confused.and will not tolerate these rude reps any longer. 

Respectfully, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have been a customer with XXXX XXXX for close to a year. I have always had scheduled payments on time. I took out a loan in XXXX XXXX in the amount of {$800.00} with my first payment being on XXXX/XXXX/XXXX of {$210.00}, since then I have been making payments via checking account of {$210.00} every 2 weeks. I recently had a schedule payment on XXXX/XXXX/XXXX in the amount of {$210.00} in which I expected to be withdrawn as agreed but did not. XXXX XXXX had authorization to withdraw on that day and it did n't happen. The money was available on the account as it was not in negative status. I did not get any insufficient funds notice from my bank and did n't know the money was not withdrawn until the following day when I received an email from XXXX XXXX to call immediately because my payment is past due in the amount of {$840.00}. My initial loan was {$800.00} and I have already made 5 on time payments. I called immediately in which the recording continue to say " all agents are busy assisting other customers '' I called all day and would continue to get the recording and not a live person. In one of the emails sent It mentioned to reply to the email in which I did reply but did n't get any response just a repeated pre typed email. I feel like this is a scam and tactic in getting more money.

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 2022-12-12
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a victim of cybersecurity since XXXX. In XXXX, I had been XXXX  in my home and suffered XXXX XXXX XXXX Soon after, I changed my accounts after several checks and withdrawals which I was only partially awarded. I'm owed {$1100.00} from this occurrence from last XXXX. Without asking, the man at the bank chose I start a new account, and never had given what I was owed. I had reported 12 months of fraudulent claims, but not even half were answered although 12 months consisted of a false transaction every month. I had a fraud alert added in XXXX, after being denied thousands. I wasn't the same person after my XXXX XXXX until the end of XXXX, when viewing my XXXX account and seeing 20 straight days consisting of over 400 false transactions plus the fact a new account had been opened and I had to learn it through XXXX. When I called them, I could tell they were caught off-guard and hadn't seen this yet. I asked of a new account, which they denied on the phone and my next visit to the bank. This happened again another month later, but I've been unable to call out, access my XXXX app, or my XXXX account besides a very few times. I can't remember how long since my XXXX  has been accessible, my XXXX  account took 4 months until an affidavit to the FTC, and there I learned of two more accounts that had opened. I called and stayed on the phone for an hour each month, unable to see any statements of their wrongdoings until finally finding a ride to the bank by my friend. It doesn't matter how many times I tell them of these false claims they never tend to answer them so then I decided to buy XXXX XXXX in XXXX to show my biometrical position. I rarely leave my home, and there are charges nearly everyday showing on my statements. I only claimed the ones I know were not me, and I bet there are plenty more. I don't have any idea of why I should have to be charged to pay off other accounts with my sole account either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job back in XX/XX/XXXX, I was still able to make my payments online up until XX/XX/XXXX, I made a payment to a woman at the mortgage company 1 card was charged for XXXX the other debit card was charged for the remaining balance. Also in XXXX i sent them XXXX but that money is no ware to be found But they charged me a late payment and also a returned check fee, but never returned my money to me i began to fall behind on my payments. In their paperwork they state that unless you have full payment any other amount will not go toward the bill.Even their own statements do not match the form they sent me for my taxes. Then they sold the contract to the company i currently have. Whom i have also tried to get a loan mod. with to no avail. This new servicer is not the greatest either i can never get ahold of their lawyer nor do i get a return call. At the b.k. court they falsified numbers they charged me interest on XXXX stating that was my payment the entire duration of my loan. That payment was only that high for a few months it was even for a while at XXXX. Then when i tried to get a loan modification this last time, they mailed to me my denial letter that i received on the XX/XX/XXXX  Then on monday the XX/XX/XXXX, mail come 's to my house around XXXX a welcome packet from XXXX stating that they need a few more papers from me but that everything has to be submitted by XX/XX/XXXX. So how can that work they are already closed and the day i received the mail that shows the date mailed as the XX/XX/XXXX i have to have everything turned in or else my home go 's up for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One credit card will not delete a closed account from my credit report on all bureaus even after it is 7 years and two months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case manager in XX/XX/2019, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in XXXX XXXX, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were two fraud charges on our debit card - Total of {$7500.00} We put in a claim multiple times and they denied them. They used one of our owners information instead of the company info for the claim. 

These charges were in another state. 

They told us they think we are lying.

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 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 was abuse and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA this has cause me and my family financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( f ) these are the violations that were committed against me as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: IL
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 am reaching out to the CFPB regarding the illegal practices XXXX, XXXX XXXX Equifax are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which XXXX failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XX/XX/2022 XXXX received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of 15 years. They must be held accountable. The same situation happened with XXXX XXXX Equifax in which they did not conduct a 30 day investigation. XXXX has failed to open a dispute and Equifax opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus Equifax, XXXX, & XXXX must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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