BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Capital One about credit cards that they put on a restricted status late last year in XX/XX/XXXX due to them being concerned with authorized users that i had put onto a couple of my cards to help some relocated church members to reestablish their credit when they were displaced by storms. 
We were told that we had to send in documents which we did and that they did not take as proof of who we were. 
i am now trying to close these accounts and this was refused to me by an employee named XXXX employee ID XXXX. 
I also found out that i had a balance of {$3.00} owed on one of my cards that she said was accrued interest after we had paid to a XXXX  balance? 
I also have been charged the following card annual fees on three cards that i have been unable to use and which i should not have been charged. 
Card ending in XXXX {$39.00} XX/XX/XXXX XXXX {$39.00} XX/XX/XXXX XXXX {$59.00} XX/XX/XXXX. These should be returned to me along with any other charges i was charged for an account that am not able to use. We have never been late on a payment to Capital One or any other credit card company in 20+ years so this is not fair and i consider it highly abusive practice toward my wife and I by a big bank. I also think that they have possibly done this due to me being of XXXX heritage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo made two UNAUTHORIZED TRANSACTIONS from my checking account. 
In the first instance they failed to pay my mortgage as instructed on XX/XX/19 without informing me. 
In the second instance they paid my mortgage several weeks later o XX/XX/19 w/o informing me. 
Subsequently they closed me out of my account and invalidated my debit card leaving me financially disabled.

Three visits to my branch and TWELVE HOURS ON THE PHONE WITH ESCALATIONS DID NOT RESOLVE THE PROBLEM. THEY REFUSED TO PROVIDE A TIME STAMP WITH THE ORIGINATING IP ADDRESS. THEY TOLD ME TO GO TO THE POLICE, FILE A CRIMINAL COMPLAINT AND SUPOENA THE RECORDS. 

My account was and is adequately funded.

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 2022-01-22
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:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-22
Company: EQUIFAX, 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:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: FL
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:
id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 wish to make a complaint about XXXX XXXX XXXX XXXX. 

I have made many attempts to correct this account for violating the Fair Credit Reporting Act. I believe this is the third or more attempt concerning accurate reporting. This account has been closed since XX/XX/2022. Yet they have reported other remarks when the remarks should reflect a closed status. The remarks should reflect closed. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.

( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section. 
( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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 2019-12-31
Company: WELLS FARGO & COMPANY
State: CA
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:
Credit card payment was due on XX/XX/19. Payment in full was made online on XX/XX/19 four days before it was due. Wells Fargo sent a payment confirmation saying payment would be posted on XX/XX/19 a week after payment was made. It generated a late charge of {$25.00}. I went into the bank to ask for the charge to be refunded. Request was refused. I said this was predatory and I would be filing a complaint.

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 2022-01-22
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.

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 2023-11-28
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-01-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the atm outside of the XXXX  on XXXX XXXX in XXXX NC on XX/XX/XXXX at XXXX to do a Cash deposit. The machine took the {$200.00} but failed to give me a updated balance receipt. The error message said the atm can no longer accept cash deposits and that my transaction had been declined. I went to the bank the next day to speak to them, the teller XXXX XXXX was unable to properly assist me as she asked the teller manageXXXX for assistance. She came back to tell me she would file a dispute that may take up to 10 days and that I needed to agree to this statement in order to get my money back. I refused and asked to speak to someone else and she replied the answer would be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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 wish to make a complaint about XXXX XXXX XXXX XXXX. 

I have made many attempts to correct this account for violating the Fair Credit Reporting Act. I believe this is the third or more attempt concerning accurate reporting. This account has been closed since XX/XX/2022. Yet they have reported other remarks when the remarks should reflect a closed status. The remarks should reflect closed. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.

( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.

( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/XX/17 I disputed a collection with diversified consultants. Diversified Consultants stated they would delete information from all credit bureaus and update my credit. I, Also asked for verification of this debt from diversified Consultants and as of the day I have n't received verification, I also checked with my local post office and they said I 've never received mail from Diversified Consultants. Diversified Consultants are in violation of the FCRA. Diversified Consultants has already deleted the account from XXXX, but still needs to delete from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 : XXXX - {$650.00} I lost my card and on XX/XX/XXXX I got a fraud alert on my phone indicating that there was an attempt to use my card at XXXX for {$650.00} and I had accidentally pressed yes and the transaction went through. I quickly realized my mistake and called the bank to dispute this amount as fraud because it was not me and Chase said it would take care of it and not to worry about the transaction. Fast forward to XX/XX/XXXX and they reposted the amount to my account and said that they did not find any evidence of fraud and I'm now responsible for these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CITIXXXX XXXXXXXX XXXX XXXX XXXX JCPENNYXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

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 2022-10-19
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:
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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SELF / LEAD XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-09-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2019 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I signed a modification agreement that was approved back in XX/XX/2019 for 3 trial payments of XXXX. Those trial payments were made, and I was approved for the modification in XX/XX/2019 and the payment was XXXX. I signed that agreement and sent it back agreeing to pay XXXX. Here we are 4 months later, and my mortgage was raised to XXXX. Right back where I started. When calling Carrington Mortgage  customer service, I was told because my taxes went up. In researching my tax bill in reality, my tax bill only went up XXXX for the year. The total taxes for the year are XXXX, they have them on my escrow account as being XXXX. I called Carrington Mortgage back to speak with the tax department. They were un-certain why my mortgage went up XXXX and could not explain it. I would like to know why this tax bill was not included in my modification. The tax bill was released in XX/XX/2019, while I was going through my modification trial payments. This amount should have been calculated in the final documents in XX/XX/2019. I would have never agreed to pay XXXX for a mortgage payment, I CAN NOT AFORD IT! Carrington Mortgage needs to refigure the mortgage payment to reflect the correct amount and not some amount they come up with out of their heads to make extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Been calling Transfinancial no call back sent information asking them to verify the debt showing that I signed a contract with them when I know Ive never been to Transfinancial. I received a email saying the account will be removed from my credit report until a investigation is complete. No results yet from Transfinancial. I want this removed off my credit report. Been calling with no response from anyone and they leave me on hold a hour at a time. I only have gotten a email and the situation still hasnt been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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 sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been onXXXX of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter dated XX/XX/XXXX    from collection agency. In letter, it stated I had 30 days to dispute the validity of this debt or any portion thereof. I sent a letter to this company certified disputing the validity of this debt and requesting that this agency validate this debt belonging to me. This debt continues to be resold to various collection agencies and each time, each company continues to fail to validate debt and have had to remove it from my credit report. This debt does not belong to me.

Company response to consumer: Closed with explanation