BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered XXXX cameras as order # XXXX for {$360.00} which sent to an old address. I cancelled that order immediately and received a cancellation confirmation. The next day this order shipped and billed anyway. This order went to Oregon and was never received. 

Immediately after cancelling the first order I reordered as # XXXX and corrected the shipping address but that order then overcharged me. When I called XXXX  about the errors they told me there was nothing I could do so I called and disputed the transactions on XX/XX/XXXX for the {$360.00} order amount plus the overcharge of XXXX.. 

I subsequently returned this order and confirmed the return was received. I have yet to receive my refund of {$360.00}. XXXX refuses to refund me the {$360.00} because they have paid to Wells Fargo the amount of the two orders and Wells Fargo refuses to return the monies to me. I have made multiple calls to Wells Fargo, Wells Fargo Executive Offices and a local branch. I never received a response from Wells Fargo executive offices. On XX/XX/2020 I visited a local branch and received a letter stating the claim was closed and the {$400.00} paid to me. 
Called XXXX  who claims they paid Wells Fargo {$39000.00}, {$48.00} and {$380.00} on XX/XX/XXXX and provided verification of that. I called Wells Fargo Claims and was on the phone with them almost two hours and they were to call me back at XXXX Arizona time on XX/XX/2020 and no call was ever received. I called Wells Fargo on XX/XX/2020 and spent 40 minutes on hold before being disconnected. I called the local branch and was told someone should call me tomorrow. 
XXXX  refuses to refund my money because they paid Wells Fargo an amount over my purchase price and Wells Fargo claims they have received nothing from Ring but tell me the claim is closed, it is open, it is closed and now its open again. Wells Fargo has a long history of not knowing how to manage my account and has little credibility, particularly given the claim that amount exceeding my claim are being collected from XXXX. Something smells here.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX XXXX  XXXX ( Credit Card ) 3- XXXX XXXX  XXXX ( Credit Card ) 4- XXXX XXXX ( Mortgage Loan )

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 2019-01-25
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 have a loan with CAPITAL ONE, N.A.. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE, N.A. were no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian and XXXX  placed a collections XXXXXXXX XXXX   on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this 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 2018-10-10
Company: Experian Information Solutions Inc.
State: NC
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:
In XX/XX/XXXX, I contacted Experian about accounts on my report that are in error, Experian investigated and stated that the accounts were verified. I sent a letter requesting the Method of Verification in XX/XX/XXXX. Experian failed to send me a method of verification. I made another request in XXXX for the method of verification, Experian failed to provide me with the method of verification. I sent an additional request for the method of verification in XXXX, Experian yet again failed to send me the method of verification of how the accounts were being certified as being accurate. I sent a letter to Experian in XX/XX/XXXX telling Experian that because they had failed to provide the method of verification that I was telling them to remove the accounts and I would be filing a complaint with the CFPB, yet again Experian responded with a credit report stating that accounts were certified as being certified, and completely ignored my request.

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 2018-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I wasn't sure what to check in the begining of the forms but here 's what happened. i answered the phone and he said this is XXXX XXXX i'm like ok who are you with i had to ask 5 times before he identified his company name. which was portfolio recovery. This was obviosly an attempt to collect a debt and very illegal debt pratices. He kept asking numous times if i was still at a certain address before he ever identified his company and he only identified after i asked 5 times. this company needs to the hammer drooped on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX shut down my account on XX/XX/2020 with no warning, resulting in the cancellation of my upcoming flights and forfeit of all of my frequent flyer miles I had accrued. At the time of closure, I had a total of XXXX frequent flyer miles in my account, as well as upcoming flights booked. I earned XXXX total miles over the past 24 months, with a bulk coming from the sign-up bonuses offered on AA credit cards provided by Citibank and XXXX. Considering AA sells miles for roughly XXXX cents per mile, the loss of XXXX is {$10000.00}. AA has stated that earning sign up bonuses on multiple credit cards ( of which Citibank offers multiple types ) is a violation of their terms. I would like to be compensated over the loss of the miles I accrued via spending using their co-branded credit cards as well as the sign-up bonuses those cards offered. If AA deemed it a violation of their terms by earning sign-up bonuses on their different co-branded credit cards and Citibank still offered and solicited me to get different AA co-branded cards, I believe that is a deceptive practice that directly led to a financial loss to me.

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 2021-08-20
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. 
I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This occurred on XX/XX/XXXX. I am a victim of a XXXX XXXX XXXX Ive founded the posting on XXXX XXXX listed by XXXX XXXX. He said to text landlord XXXX at ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX and sent to back to XXXX email XXXX as requested. He then said to pay {$100.00} for application fee and background check. XXXX XXXX XXXX XXXX XXXX XXXX to XXXX via XXXX XXXX # XXXX since he handles XXXX XXXX XXXX XXXX I wouldnt XXXX XXXX XXXX XXXX XXXX. He said if I am XXXX XXXX XXXX XXXX, I will need to pay {$600.00} for deposit and he will XXXX XXXX XXXX XXXX XXXX I agreed. After I paid {$100.00} app fee and {$600.00} deposit, XXXX changed his mind and refused to let me see XXXX XXXX. I told him I am not sending any more money and that I am no longer interested in XXXX and requested for refund. I then called XXXX and told him what happened. XXXX rep said payment went through and there is nothing that can be done. I went onto my chase app and submitted request to XXXX to pay me {$600.00}. As of XX/XX/XXXX I have not heard back from XXXX. XXXX continues to send me XXXX texts. I replied back to XXXX on XXXX and he said he gave me the wrong number and that ( XXXX ) XXXX was hacked XXXX years ago and he forgot to inform me. XXXX then gave me a different number to call landlord but I did not contact anyone else. Ive reported XXXX XXXX of scam to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I attempted to withdraw XXXX $ from an ATM from the US bank branch on XXXX and XXXX in XXXX XXXX, South Dakota, and I was only dispensed XXXX XXXX Immediately, I logged into my mobile banking app and saw the transaction was processed as a XXXX $ withdrawal and I proceeded to call the national US bank number and file a dispute. About 2 weeks later, I received the attached letter via mail notifying me that the ATM investigation was completed and no error was found. I went to the same bank branch to inquire about the steps they took in the investigation process, such as how they counted the money in the ATM and who the team that did the investigation was, and I was told that my dispute had actually not been settled yet. I called the national US bank number again and tried to escalate my dispute or refile, and I was assured that they would get it sorted out. After probably upwards of eight more phone calls, I was told again today that the dispute was still pending ( over two months later ). The banker stated that the ATM money balance should have been counted long ago, however, so I am quite apprehensive that US bank is taking this claim seriously. In fact, due to the lack of correspondence other than the apparent error mail letter, I am beginning to wonder if the strategy of this investigative group is to just carry out the process as slow as possible in hopes that the complainant forgets about the issue or decides the hassle is no longer worth 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 monetary relief
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts are unauthorized accounts that are reporting o my credit report. These accounts were opened without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I contacted XXXX XXXX of Huntington Bank for a mortgage preapproval. After paying of back taxes and presenting additional financial information XXXX stated he contacted the credit agencies to have the tax information removed from credit reports. He sent me a preapproval letter on or about XX/XX/XXXX. On or about XX/XX/XXXX I sent him a purchase agreement for a condo I wanted to purchase. I was waiting for XXXX to send me the loan application so I can begin to close process. I contacted him over and over most of the time with no response. I intended on using down payment assistance from OHFA because I had limited funds, so I asked XXXX if he had submitted the documentation to OHFA, he asked if I could get gift funds from some one because he did not want to deal with OHFA 's grueling paperwork. I told him I needed those funds and I did not hear from him for about a week. When he finally emailed me it was to tell me he could not do the loan. Then responded with counterclaims for his reasons why, which caused him to contact me by phone and state he made an error and would look over my documents again. I called back again asking me if I could get gift funds and I stated no. A couple of days later ( XX/XX/XXXX ) he sent me loan documents not including the down payment assistance funds and over {$6000.00} in closing cost. I sent him an email with questions which he never responded. I was due to close on XX/XX/XXXX and I had not received a response to my calls, texts or emails. Then after calling him about 9 times he answered and said " he was not able to get me approved for the same reasons as before. '' The reasons before were not valid. Now I have losed the opportunity to purchase my dream home and I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THIS IS RIDICULOUS!!! I don't know about this account! Why it is reflecting my credit report? I want validation on this account! I don't have any contract with this account. I will sue you for the stress you caused me!

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 2021-08-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate names, addresses, and employer. I have attached a letter detailing the disputes along with supporting documentation. Thank you

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 2018-10-10
Company: EQUIFAX, INC.
State: NC
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 am attaching a copy of the letter my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my Trans Union report and my XXXX report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, XXXX has my date of birth wrong since XX/XX/XXXX and my mailing address with them has become outdated.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: MO
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:
Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.

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 2018-10-10
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my HOME SOLD. The reason my home sold was due to I had to file a BK and i could not drive the 4-5 hrs to the court house to get to file the BK docs so i did it all by mail and it had it overnight-ed to the lender and the post office sent a letter stating they had recd my packet on a Saturday ( please see attached letters ) the packet should have been deliveried on Monday XX/XX/2018 and it was not. I requested that the foreclosure attorney and the lender please rescind the property back to me as it was not my fault of the post office mistake and they should honer the BK cause it was filed before the sale date on XX/XX/2018 and cause of the post office i lost my home. 
When calling the lender and the foreclosure attorney they choose to not HELP me keep my home at all. I have been very sick over all this and my medical conditions are not that good. I fel they could of rescinded the property back to me. Understand i know it was the 11th hour but due to my health and surgeries i have had i could not drive that far to the court house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel XXXX  and Equifax are taken advatage of me and ignoring my request as it has been over 60 days and section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. XXXX  has investigated and has deleted the disputed items off my credit report. XXXX  and Equifax has repeatedly ignored my request and are reporting inaccurate items on my credit report. I am demanding the deletion of the items in dispute or I will file for litigation against you.

Company response to consumer: Closed with explanation