BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A judgment was issued against XXXX XXXX XXXX XXXX by XXXX XXXX labor comissioner on XX/XX/2019 and the writ of execution was issued on XX/XX/2019 by the XXXX XXXX courthouse. the writ of execution was served to the Wells fargo Bank in XXXX branch on XX/XX/2019 in the amount of {$3000.00}. Usually they have 10 days to respond but its been 18 days and I have got no response from the bank.

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 2021-10-07
Company: CORELOGIC INC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Obtaining loan from credco from the dealership but was denied

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a Kohls credit card in store. The Kohls credit card was stolen before it arrived. Someone used the card to make a purchase. Kohl 's security immediately called me and said they suspected the card had been used fraudulently. They indicated that someone had used the card and had tried to change the associated contact information. They told me they had canceled the online transaction and that the other transaction would be marked as fraud. I then immediately canceled the card. I never actually received the card, and thus was never able to use it. 

Only one purchase was legitimately made which was in the store at time of opening, and the card was immediately paid off in the store.

Kohl 's collections started contacting me regarding the fraudulent purchases. Each time they have indicated that they had called me by mistake and that it had been marked as fraud. I get calls almost daily. When I answer, they indicate to me the same thing each time. I have now started receiving emails with the balance saying pending. 

I have attached police reports from XXXX, California and XXXX XXXX, California. I'm waiting for the police report from XXXX, California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: OH
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
WELL, I PURCHASED ( 4 ) OF NETSPENDS PRE-PAID CARDS. I PURCHASED THEM XXXX XXXX, XXXX & XXXX 2021. SO, THE CARDS WERE LOST/STOLEN & THE THIEF USED THEM & PURCHASED ITEMS ON LINE WITH MY CARDS. I CONTACTED NETSPEND BUT THEY DID NOTHING. THEY TOLD ME SOMEONE ELSE '' S NAME WERE ON THE CARDS & IT WAS NOTHING THEY COULD DO. OTHER WORDS THE THIEF REGISTER THE CARDS IN HER NAME BEFORE I WAS ABLE TO. NOW LISTEN TO THIS!! NOW TWO OF THE CARDS THEY REFUNDED, CAUSE THE THIEF DID '' NT REGISTER THOSE SHE JUST SPENT THE MONEY OFF THEM. THAT '' S WHY I THINK THEY REFUNDED THOSE. NOW, THEY ALSO TOLD ME THAT THE THIEF CONTACTED THEM AFTER I CALLED & REPORTED MY CARDS STOLEN. AND REGISTERED THE CARDS I '' M COMPLAINTING ABOUT. NOW THEY KNOW THIS WAS '' NT ME SO WHY ARE YOU NOT DOING YOUR JOB!!! INVESTIGATING THAT PERSON!!! YOU SAID IN YOUR OWN WORDS I WAS '' NT THE ONE WHO USED THE CARDS AND MY NAME DID '' NT MATCH ... .I ALSO SENT THE PICTURES & RECEIPTS OF THE CARDS BEFORE THEY WERE LOST/STOLEN. I HAD SENSE TO TAKE PICTURES OF MY CARDS & KEEP MY RECEIPTS RIGHT AFTER I PURCHASED THEM!!!! THE ( 2 ) IM COMPLAINTING ABOUT WERE {$500.00} EACH.!!! THAT '' S ABOUT IT.. THANKS!!

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 2023-11-06
Company: EQUIFAX, INC.
State: LA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam Under 1024.36 Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX XXXX. 

I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 

I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX XXXX in the amount of {$11.00}, XXXX based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife purchased flights for a planned trip but booked the wrong flight ( XXXX ). Before 24hrs, she called to cancel the flight. They told her it was non-refundable but eventually they agreed to refund and said they had 12 months to refund the money. She received confirmation via email. I then contacted Citi Bank to open a dispute because its not right for us to pay interest for 12 months on a error caught within 24hrs. They reversed the charges then later they replied that the merchant said its a non refundable flight. I then had to open 11 individual disputes again ( Not sure why it was charged that way if we made 1 payment ) and submitted a copy of the email from the XXXX agents saying it was canceled and that they have until 12 months to refund the payment. A few days later, I received another message from Citi saying that they responded with the same thing. Its a non refundable flight but I provided them a copy of the email received. This is unjust to me as a consumer and I expect them to protect me as a customer. Especially when I provided proof. I've tried to talk to someone on the phone and nothing happens. It seems its all automated.

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 2021-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 3 ), XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XX/XX/XXXX, I ( SS # XXXX ) and my now wife XXXX XXXX ( SS # XXXX ) received notification from my credit monitoring system that a collections account form Hunter Warfield was reported on my credit profile in the amount of {$160.00}. The original creditor is XXXX at XXXX XXXX which is my primary residence. I contacted to property manager in person and via email about this debt because our rent has not been late, nor have we carried a balance and this was our first time learning about this debt. The property manager explained that the balance was from the unit we transferred from. ( we moved from unit XXXX to XXXX earlier this year ) We see the apartment staff at least once a week and we pay our rent via their online portal and we were never notified of this debt. We asked the manager to remove the debt from our credit because we never were given notice of the balance due prior to being sent to collections. To date this item still remains on our credit. We don't have an issue paying the amount, our only concern is paying the amount and it appearing on our credit profile as a paid collection when it shouldn't have ever been placed in collections.

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 2019-03-28
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX the XXXX someone withdrew all funds from this card. I filed a dispute and reissued the funds 15 days later because they issued a card to another address and it wasnt the address that Social Security had on file. On XX/XX/2019 they then issued another card to another person not on the account. I called the company to cancel the card and they told me that it was nothing that they could do but keep reissuing the card and that these people that are fraudulently using this card could continue to call and issue more cards. They are refusing to add alerts to accounts for fraudulent activity. Unfortunately because Social Security has issued benefits for XXXX, I am not able to change banks for my sons account. This bank has no security measure put in place to stop fraudulent activity on XXXX adults funds being placed in there accounts through there card services. It makes me wonder how many XXXX adults are being frauded through this government given program for funds and are not getting their monthly money because they dont know what to do. Also, management was very rude with me when I asked who Investigated them on fraudulent activity with the bank and card services that maybe they should reconsider activity of how a person could order cards for Social Security benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I believe my application was started at Amerisave XX/XX/XXXX. It has now been almost 120 days and not closed. My application and my loggin info with Amerisave always said cash out loan. I have expressed to everyone that I needed to max the amount I could get out because I needed braces. My first loan originator said she could get back approx {$7000.00} to me. She made a mistake with my address and it costs the process a month. She was apparently fired. Second loan originator ( XXXX XXXX ) got my file XX/XX/XXXX. I expressed to him that I needed to max cash out. See emails. He sent the loan to underwriting as just refi not a cash out. I figured that out with the loan processor ( XXXX XXXX ) on XX/XX/XXXX. She sent an email to XXXX and his boss trying to fix it. XXXX replied to that email that he spoke to me and everything was fine- I never spoke to him-have sent call log from my phone as evidence. Since that point he has sent me condescending, bullying, and rude texts to make me close the loan and said I can not speak with his boss.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
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. However 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: National Credit Adjusters, LLC
State: CA
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 reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, I was notified that I was a victim of unemployment fraud. I took all of the recommended steps for follow-up of this issue ( contacted the Illinois Dept of Employment Security, filed a police report, placed credit alerts with each bureau ). On XX/XX/XXXX, I received an email from Netspend, a prepaid card service informing me to activate my card. I did not apply for this card and my assumption is that the application is likely connected with the fraud. 

I have reached out to Netspend several times - by phone and email - and I can not get any assistance or response despite my informing them that this is an act of fraud. The reps insist that I provide them with my card number ( which I don't have ) or social security number ( which I don't feel comfortable giving ) and was told I could not be helped without it and was even hung up on. Even when I finally did provide a social security number, they still didn't help. I continue to get regular emails from Netspend addressing either myself by name or someone else 's ( probably the criminal ), which lets me know that in addition to being non-responsive, they have taken no action to close this account despite my many requests.

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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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