BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Can't use card to make purchases

Complaint:
I applied for the Capital One Spark Miles Business credit card for my business purchases during the XXXX XXXX week. I received the card on Monday XX/XX/2018. I called to activate the card and uploaded my driver license as requested. I called again and was told they will hold my card several days before I can use it! I've never met any credit card company doing this. Capital One is crazy. I have provided everything they need. But they still won't allow me to use the card until after the shopping season?! I heard a lot of bad words about Capital One before. Now I learned it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is attempting to collect a private student loan debt that I am the co-signor on for my XXXX. I am paying on the debt weekly to the best of my financial ability and Navient continues to call me repeatedly and daily up to 15 times per day. They also send repeated letters threatening default and other legal action. This is causing great emotional and financial stress. They are refusing to work out a payment plan but continue to cash the weekly payments and continue to place upwards of 15 phone calls daily. I have been making weekly payments for 16 weeks Navient has never provided a copy of the original loan documents. I am not sure that Navient was the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the banks for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of 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 2018-11-20
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an alert from credit monitoring service that a loan with my credentials had been applied for at Cashnetusa.com. I called them as soon as they opened to inform them I did not apply for this loan. I contacted all credit bureaus to freeze my credit and add a fraud alert. I have filed a police report with my local police department. 

When I called the next day they refused to do anything until they receive a written police report. I asked them to cancel the loan, they refused to do anything until they receive a written police report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: U.S. BANCORP
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I submitted an application for the U.S Bank Altitude Reserve Credit card. My application was approved and I received the credit card. I used the credit card for regular purchases. The card came with a $XXXX  annual fee which I paid on time in full. I always paid my balance off, and was not charged any interest.This card required that I spend $XXXX within the first 3 months of card membership in order to receive the sign up bonus of XXXX points. I met this requirement and I could see the bonus points as pending on my credit card statement.Then I received a notice that my account was being closed and that my points were being forfeited, and that I could not longer use the card.  The reason state was a pattern of buying gift cards.  I tried to see if I could get my account reinstated with no success. When I could not get my card reinstated I requested that the annual fee be refunded to me since I paid the $XXXX  fee. This request was refused. I requested that the annual fee be prorated for the months that I was not able to use it, this was also refused.I was wronged first that I clearly met the terms of the sign up bonus, I saw the points as pending to my rewards account, but then US Bank frozen my account not allowing me to use the points.  I was wronged again when US Bank close my account within 3 months of opening, yet would not refund the $XXXX annual fee which I paid.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit report act XXXX account number : XXXX, XXXX XXXX  account number : XXXX XXXX, XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : deptedXXXXXXXX, XXXX XXXX account number : deptedXXXX  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 my account without my written Instruction.

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 2015-06-22
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan through Huntington National Bank. At the maturity of my loan the Bank said that several of the payments they received were outside the grace period. After much discussion of the calculation of their claim I agreed to pay the {$170.00} in " late fees ''. The Bank then declared that I did not pay the {$170.00} timely and reported the matter to the Credit Bureau as a charge -off. While I take exception to the heavy handed method of reporting the late fees as a problem loan my complaint is that the Bank continually reports that {$32000.00} was written off. I have repeatedly tried to get the Bank to report accurately the disputed amount but they refused to do so. Please help me to get them to report this matter accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
well, I had a XXXX account on XXXX XXXX 2022 I mobile deposited. my payroll check of XXXX a lady by the name of XXXX XXXX stole it out my car an re cashed it on XXXX XXXX on XXXX XXXX piolet steel is my employer put a fraud case against the check so US Bank took it back out of our account at XXXX this has been going on since XX/XX/XXXX XXXX I had money in my XXXX  account, but they locked it due to that > on the back of my husband 's payroll checked it stated deposit only for XXXX bank a US bank let her walk into XXXX XXXX XXXX Bank, and cash it again.it has messed up my life i couldn't get money out the bank at all they finally closed my account at XXXX. XXXX has done everything for me to help me try to solve it US bank I have spoken to XXXX XXXX numerous times everyone is giving me the run around XXXX my husband 's employer XXXX XXXX has a banker name XXXX that's downtown XXXX. the officer that did my case an XXXX  have spoken to us bank an XXXX assumer about it the owner of XXXX XXXX  no one wants to give our money back. my wife 's number that has been handling this is XXXX we have decided to get a lawyer involved now since US Bank is at fault we almost lost everything we had had to file debt consolidation. please I need all the help i can get.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I deposited {$36000.00} into a Certificate of Deposit with Wells Fargo. At the time I had a business that I operated. At some point my business sought and was approved for a credit line. The business agreed to pay the loan. I did not guarantee the loan personally. Due to the down turn in the housing business my XXXX and XXXX  business went out of business and that independent corporation was responsible for the debts that it had. That said, Wells Fargo essentially impounded the money in my CD to cover the outstanding debt that was owed by the corporation. However, the deposit agreement does not provide for this to occur. My attorney sent Wells Fargo request to produce a copy of the deposit agreement which they say authorized them to impound the monies in my CD, but they refused to do so. Instead, what they sent to him was a copy of the new deposit agreement that permits Wells Fargo to take money out of a private account to cover the debt of a related business. No such provision existed at the time that I deposited my {$36000.00} in the CD. I am looking for the immediate release of all of my money in the CD plus interest. I deposited to the money before 2012 and my most recent request that I made last year was met with some obviscation about the statute of limitations running.

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 2015-07-22
Company: CASHCALL, INC.
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2021-12-08
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: Investigation took more than 30 days

Complaint:
I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that XXXX XXXX XXXX had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called XXXX XXXX XXXX to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/XXXX, made 3 purchases that i didn't remember using Shop Your Way Mastercard for, they were XXXX & XXXX to XXXX XXXX, and XXXX to XXXX XXXX XXXX, totaling XXXX. In XX/XX/XXXX while paying bills, i questioned the charges, Shop your way told me not to pay it and said they would find out what was charged. They sent it to their fraud department which reported I didn't need to pay the XXXX, that the charge were fraudulent. XXXX froze my account the end of XX/XX/XXXX, because Shop your way took the payments back of XXXX, XXXX and XXXX, totaling XXXX i paid XXXX XXXX XX/XX/XXXX and told Shop your way that XXXX was paid and Shop your way was owed nothing. Since then it has been a monthly late fee from XXXX every month, calling and talking to their reps, thinking we have it straight, then the next month, another late fee. Now they have a credit company wanting XXXX, the original XXXX and months of late fees they are adding on, while they affect my credit score adversely. i faxed to XXXX the statements from XXXX that show they were paid XX/XX/XXXX, i also sent it to XXXX XXXX  XXXX, but to no avail. They refuse to stop charging me with proof.

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 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been banking with Bank of America since XXXX or XXXX. At this present time, I find Bank of America to be the biggest criminals out there. In XXXX I opened up and IRA with this company, and I guess the interest rate was okay at the time. Currently my money only nets me {$1.00} a month. On the other end, I have a credit card with this company and they are earning over {$600.00} a year in interest off of me. This is a deplorable way to treat a customer, in fact it is a crime if you ask me. They send out correspondences stating you can get 0 % interest for a certain amount of time, but it is a trap only to get the consumer to pay more interest. I feel that everyone should know about this, this is a trap to keep consumers in debt. Bank of America is for hard working people, but they do not care at all about their clients.

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