BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred through a wire funds from XXXX. The wire instructions were perfect. This was done 10 days ago. The wire went to Wells Fargo. XXXX has called them and confirmed the funds are sitting in a Wells Fargo account. Wells Fargo after many calls said they located the wire and told XXXX they would send it back to my account. They said it was high priority. Its been another week and the funds have not been retracted back to my XXXX account. This to me is a deliberate hold on my funds.

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 2020-05-25
Company: FIRSTBANK
State: AZ
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/2020, I noticed that my bank card from 1st Bank of Colorado was missing from my vehicle in my driveway ( along with two other cards and my license ). At this time, I reported the card stolen to the bank and they sent me a new card. At this time, I noticed two charges pending on my account to XXXX XXXX ( {$29.00} ) and XXXX XXXX ( {$17.00} ) that I did NOT authorize. I have been told previously I could not contest pending charges so I had to wait until they were actually finalized before I could attempt to make a claim. Starting on Monday XX/XX/XXXX, I made attempts to call the bank. Hold times were longer because of the COVID 19 situation. After multiple attempts being on hold and disconnected I went to the website and requested calls from the bank. I did this daily for three or four days until I finally got through on the phone speak to someone about my contested charges. After a couple of weeks, I reached out to the bank via email to ask about the status of the claim and I was told it was denied and to call a specific number for details. The number isn't even an active phone number! I have two other cards that were stolen at the same time and attempted to be used at other establishments. I didn't report them to the police because the banks all claim to have protections for fraudulent charges. I never left my home on the day these charges were made, I have never set foot in the liquor store and have not bought pizza from any XXXX  in months if not years. 

Also, when I checked on the status of this order, I reported a third false charge for {$29.00} made a week earlier on my account and the bank is ignoring any communication about this charge even though I have emails from the company involved saying they have no orders from me. I am attaching the emails for this claim below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a XXXX XXXX XXXX XXXX in XXXX with 60 payments with final payment in XX/XX/XXXX. I have since paid off the motorcycle and trying to get US Bank to release with the OHIO BMV in XXXX, OHIO. I have called starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I get a Rep telling me that they sent a request of lean release of a tittle to their auditor dept. I have had 2 Reps promise that they would call me back, none have. I need to get a title of my motorcycle because I have lost it and when I went to the OHIO BMV they said the bank hasn't released it yet. This is bad business practice that I can not get someone to confirm that I paid the bank lean off back in 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 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I file complaint number. XXXX on XXXX XX/XX/XXXX Capital One payment investigation has repeatedly ignored complaint and keep answer with same rip-off vocabulary. Last letter dated XXXX XX/XX/XXXX indicated that that on XX/XX/XXXX and XXXX XX/XX/XXXX the payment was posted correctly. 
The problem is that that they have ignore the real complaint that is fail to post my payment for {$3000.00} as per copy of Electronic Fund Transfer Report from XXXX XXXX XXXX dated XX/XX/XXXX. 
On there letter dated XX/XX/XXXX, payment Investigation claim to have not hear from me with documentation requested, it is not truth, in fact they ask for Electronic Fund Transfer Report from my bank, I send it in a certify letter on XXXX XX/XX/XXXX. 
How ever they chose to ignore it. 
I am requesting Consumer Financial Protection Bureau to sanction Capital One for abuse customer. And requesting Capital One executive to fire the Payment investigation personal responsible. 
I am demanding Capital One to correct posting of my payment dated XX/XX/XXXX and reimburse my account for the interest charge since then. 
XXXX sending additional certify letter to capital One, Capital executive office, and other consumer protection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every time I make a payment, I attempt to pay additional principle payments and they are never applied. I have included a note, written on the check, envelope, The company is intentionally not applying extra principle payments. 
I have called them at least XXXX time and spent hours on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 sent a dispute to XXXX stating Capital One re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from XXXX   stating that Capital One has verified the information to be accurate. This is a problem on two fronts. Capital One has re-aged the account, and XXXX   hasn't actually made an investigation themselves. XXXX sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. XXXX is not reading their own document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Square Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Our XXXX  XXXX used the square online site to do card purchases. We received an email stating we are shutting down your square account with specific reaso. It is all over the web that square does this and all complaints are same. I've tried for days to contact square with no luck. You can't speak to anyone over the phone. Emails do not get responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Mortgage Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my 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 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 2021-03-03
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 is missing that should be on the report

Complaint:
I have been calling Equifax in order to get a copy of my report. They keep telling me they can not find an account associated with the information I have provided. I have sent in a copy of my social and ID and address to update any old information they have. They received the documents on XX/XX/2021 and still havent updated my information. I keep requesting my credit report and they will not give it to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following entities to check my credit, again! SANTANDER CONSUMER USA, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX and Eqiufax. Have accounts set up with them and have used them in the past.

Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Merchants' Credit Guide Company
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Credit Bureau Collection Services, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen by XXXX XXXX  in XXXX NH for a work-related back injury in which there is an open claim verified by the State of NH workmen 's comp. XXXX was to followup with the company and apparently did not and even though i repeatedly told XXXX to contact my former employer 's workmen 's comp insurer they did not and repeatedly harassed me then sent it to cbcs collections out of XXXX NH who has continually called me using a dummy rhode island phone number and leaving no messages. I repeatedly spoke with reps from cbcs explaining workmens comp and even offered to pay the bill to avoid negative credit reporting even though i am not responsible for it but was told i did not have to if it was workmens comp by XXXX. I forwarded a copy of the workmens comp claim letter to cbcs XXXX XXXX but they continue to keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received correspondence from TransUnion that the inquiries that was recently disputed is not placed on my credit report. However, after obtaining a copy of my report the inquires remain the same. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified TransUnion of this and it is TransUnion who should make these changes by removing the inquiries : XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX DEPT OF ED Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is a medical bill for {$650.00} for services for my grandson back in XXXX. I have no idea why my name appears on this bill. I likely accompanied my daughter while she took her son to this visit, I usually did whenever he was sick. But why my name is on the bill I do not know. The only thing I can think is that while waiting my daughter used the restroom or stepped out for a smoke when they called my grandson to register. Its been five years and I honestly dont remember the incident. However, I did not ever have financial responsibility for -or custody of- my grandson and am in no way responsible for this debt now- just as my father was not responsible for my childrens bills or anyone else is responsible for their childrens bills. My daughter, at the time, had chip, the PA health insurance for qualified applicants and their children. As far as I know, chip -through XXXX  XXXX, should have paid this bill. For whatever reason, apparently, the bill was not covered, in which case it became my daughters responsibility. Unfortunately, my daughter passes away in XXXX. Her son was adopted by another family. She died penniless, there was no estate and even if there was it would have been settled long ago. 
As another note, the holder of this debt, commonwealth financial, is appallingly predatory. I didnt even know about this bill-its been years- yet upon purchasing the debt commonwealth immediately put it on my credit report before ever even contacting me about it. I learned about this from a credit service notification I recieved. One week after they put it on my report I got a letter from them stating I had 45 days to dispute the bill, but it had already been reported and remains in my credit report. Their behavior is inexcusable and repulsive. 
So, to recap, Whoever checked in my grandson on this day made a mistake a put my name on the registration not my daughters. Until this showed up in XXXX of this year I had no knowledge this even existed. Because they made a mistake, however, does not make me responsible for my daughters expenses. It should have been paid by chip and any denial should of went to my daughter. I did not have custody. The patient is my grandson, if he was under my custody this bill would be my responsibility, but I did not. Nor can I be held responsible for an error made by the person checking him in. While I do not remember this, I can guarantee I would have provided all this information at check in and Im certain my daughter must have also presented herself to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A collection account is reporting in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: DE
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor 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