BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: SC
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:
We settled a debt. The company gave us a letter to get it off our credit report and considered settled WITH a control number to do so. Experian keeps leaving it on. My credit will go up 23 points with this reported the right way! XXXX XXXX, which is XXXX and XXXX fixed theirs immediately. For some reason Experian will not remove and up my score!

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 2019-04-19
Company: WELLS FARGO & COMPANY
State: CO
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:
I had a Wells Fargo Propel World XXXX XXXX card. The annual fee for this card is {$170.00}. I was charged this amount on XX/XX/18 for a card being renewed on XX/XX/18 A Wells Fargo Banker mentioned that if I switched to their new Propel card within three months of the expiration of the card, the annual card fee would be refunded in full. 

I called on XX/XX/18 to make this switch, and was told that the switch could not be made on that day, but I should call back in 2 days. The agent I spoke to explicitly confirmed that the card fee would still be refunded with the product switch. 

I called back and switched to the new card, and again confirmed that the card fee from the old card would be refunded. 

After a few weeks I hadn't received a new refund, although the account had been cancelled and a new account opened with a different card. I called Wells Fargo, and they said that I was still owed a refund, but that it sometimes takes a few billing cycles to process. 

In XXXX I still hadn't received a refund, and I emailed Wells Fargo. At this time I was told that I was only charged {$25.00} and this had happened in XXXX, and no refund was owed. I asked for a fuller explanation and was told that the first response was completely wrong, and that I had in fact been charged {$170.00}, but that I wasn't eligible for a refund. 
I asked them to investigate and explained the conversations that I had on the phone in XXXX, and that the agent had noted that a refund was due. 

Wells Fargo promised to investigate and have the 'Executive ' team contact me within 2 business days. Wells Fargo failed to contact me in the meantime, and has ignored all written questions since then as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a returned receipt and certified letter to Calvary, XXXX XXXX XXXX, XXXX, NY XXXX. My request is to validate that I owed these accounts. In returned they sent me a letter dated on XX/XX/XXXX without any validation. They indicated " they have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow them to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, they are unable to investigate the dispute pursuant to the FCRA. '' In addition to provide more details. ( see the letter that it was sent which included all of the details I was requesting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Information belongs to someone else

Complaint:
I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : 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 2019-04-19
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 applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : 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 explanation
Consumer complaint received 2018-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2019, I sent a certified letter to TransUnion requesting validation of the account they are reporting for XXXX XXXX. They signed for the letter on XX/XX/2019. I requested copies of the account bearing my signature and if they could not send them to delete the account. TransUnion failed to respond to this request or place dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again asking for validation of the account and the documents and providing them notice of their failure to place dispute remarks. They responded on XX/XX/2019 stating that it was verified but once again failed to place dispute remarks and once again failing to provide verification documents. Since they refuse to follow federal and state reporting laws, the account should be deleted.

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 2019-04-19
Company: EQUIFAX, 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 applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: CO
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:
Equifax should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX partial account numbers XXXX ; XXXX ; and XXXX. Equifax should not be reporting that I am ( 120 ) days late on partial account numbers XXXX and XXXX ; XXXX and XXXX ; XXXX  should not be reporting that I am ( 120 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) ALL of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to late on any account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a financed approved in XX/XX/2017 for my XXXX XXXX thru Capital One auto Finance, and I'm making payments since them and it did never being report to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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 have no knowledge of the following inquiry : Usaa Federal Savings XXXX Please investigate to ensure there is no fraudulent activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BARCLAYS BANK DELAWARE
State: TN
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: Problem with personal statement of dispute

Complaint:
I applied Barclays cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about Barclays Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN

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 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied online for a Capital One secured credit card on XX/XX/2018. I was approved and per an email from Capital One, I am required to make a minimum deposit of {$200.00} by XX/XX/2018. I went online to make my {$200.00} deposit on the morning of XX/XX/2018. I received a confirmation that my deposit was successfully made and I should expect my card in a few weeks. The money was never withdrawn from my bank so I called Capital One and I was told there is no application and I should reapply or file a credit bureau dispute. In the mean time, watch my bank going forward to make sure it's not withdrawn because they can't find any application. This could hurt my credit score by having a hard inquiry that I can't remove or my bank account if they pull the money from the bank without warning

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX Credit Card by Commenity Bank offered covid 19 assistance during the onset of the pandemic. Not only did they misrepresent but they are not honoring their commitment to waive pandemic late fees. They are lying about no records of reporting the late fee waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
At the end of my lease ( first car ever ) with Ford Motor Credit company I had excessive mileage on my car. I had the car for 3 years during which every single payment was paid on time. The amount that was supposed to be paid was {$2500.00}. At the end of XX/XX/2020 I received letter from FMC with an offer to settle the account if payment of {$1500.00} will be send during 10 days. Unfortunately because of some personal and financial issues I was unable to send payment until XXXX. Payment of {$1500.00} was sent via mail, but I never got any confirmation that payment was received by FMC. Couple weeks later I received letter from collectors company which stated that I still owe {$1000.00} + $ XXXXfees= {$1200.00}. So right now I have delinquency on my credit account which negatively affected my credit score. I called FMC and talked to one of the managers. I explained that it was my first car ever, that I always paid on time during 3 years. Also explained that COVID had a huge financial impact on my family and myself. I was the only one working in my family. In addition to that my father was on the edge from passing away after he had XXXX XXXX  ( XXXX XXXX XXXX, which completely shifted my focus away from anything else and made my financial situation even worse. Unfortunately, manager refused to help me to remove delinquency from my account. I did pay the remaining of the balance of {$1200.00} just to clear everything out. So right now I don't owe anything to FMC. Just trying to fix my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged with two ( 2 ) overdraft fees of {$35.00} for being short of few dollars ( $ XXXX ) on the account. I had multiple charges go through at once after the weekend. I transferred the amount right away when I received the notifications for both occasions. I was told that even if there is an overdrawn amount which gets covered up by the end of business day it will not be accessed the fee ; however the notifications arrived a day after resulting in overdraft fees without chances to amend. In one case, the transfer was made immediate and it did not cover the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, UNIVERSl1Y OF 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 explanation
Consumer complaint received 2018-03-22
Company: Union Adjustment Company, 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 have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The month of XX/XX/XXXX andXX/XX/2017it has reported that i was 30 days late on my payment. I did not have a late payment. Bank of America is the credit card company.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Called and submitted disputes online via mail directly and was told its a automated system after several attempts my reports remain affected violating my consumer Rights to accurate reporting

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 2021-02-02
Company: TD BANK US HOLDING COMPANY
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 have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but Target is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was trying to buy a house in Wisconsin and when they check my credit, l have two credit cards with Bank of America that are not mine 1 open in XXXX for XXXX dlls and the other one open in XXXX for XXXX dlls. I travel personally to a Bank of America in Florida and they check in the computer and they don't have nothing with my social security, it's just a name association.

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 2019-04-19
Company: Credit Karma, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
I applied XXXX cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about XXXX Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Transunion is reporting 2 XXXX student loans on my credit report from 2008. I requested them to verify this information and send me any evidence these loans are mine such as a contract or documents that I sign for these debts. However they have never done this and continue to report these 2 accounts on my credit. I have disputed these accounts 4 times and the outcome have been the same. They don't remove them and they don't send me any evidence that these accounts belongs to me. I am a XXXX XXXX XXXX Veteran and this situation is affecting my credit and my peace of mind.

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