BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, 2017 I wrote a complaint to you guys for charges deducted from my account for items or charges never authorized by me, Wells Fargo respond saying that they will investigate the charges and after numerous phone calls to clerks or what they call specialist they have no conducted a fair investigation that have a lot to think abaud how Wells Fargo conduct business. Last time I call I request to speak to a supervisors and they told me that they call me back in 24 to 48 hours as of today I still waiting for the return phone call, They talk me that they received proof of my charges, I request that they can send me those charges and compare my signature if they have something and they never send me the proof that they received. I 'm a XXXX years old man trying to fight this monster call Wells Fargo that the thieves have more credibility than a customer for the last 40 years. 
I will like to take this complaint to highter level and alto take Wells Fargo to small claim court because if they can not give me the proof maybe they can provide to the court.. 
Is very difficult to defend went you do n't have nothing. The thieves or crooks they did't left me a backup to present to the Bank. 
This is the second complaint about this matter and hope Wells Fargo can do their job. 
If they can prove to me that I authorized those charges I do n't a problem paying for service that I received but ca n't pay for service that I did n't received. 
I hope you can intercede to resolve this matter and I 'm attaching the only documents that I have. 
Also request that they call any car rental in XXXX XXXX for a week rental so that they can compare those charges. Normally they charge between XXXX to XXXX. 
If you need more information please call me at 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 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been a credit card holder with Capital One since XXXX. I paid my bill on time every month until XXXX. I had a very devastating financial hardship. As a single mother of XXXX small children, it was hard for me to find a job that fit my schedule, as I was very limited to child sitting resources. I had to constantly switch jobs just to fit my babysitters schedule, so it was hard to balance finances. Due to the problems I was having, I made a total of 5 late payments to Capital One. The last one was 5 months ago ( which was Capital One 's fault ). I 'm finally stable with a permanent job and stable income. I 'm in the process of fixing my credit so I can possibly become a homeowner in the next two years. On XXXX XXXX, XXXX, I emailed the CEO of Capital One a goodwill letter pleading to them to remove my late payments as they are really affecting my XXXXredit score tremendously. I received a call on Monday, XXXX XXXX, XXXX, stating that they WILL NOT remove my late payments for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: BARCLAYS BANK DELAWARE
State: IA
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:
I sent a letter via certified mail to Barclay 's Bank, which they received on XX/XX/2020, in which I disputed ( 4 ) credit card transactions. 

Barclay 's Bank violated Reg Z by failing to process my credit card dispute within the established time periods under the law. The bank acknowledge, on a recorded phone call that they violated Reg Z by failing to respond to my dispute within 30 days. Furthermore, despite receiving my dispute letter and documentation via certified mail, they did not even create the claim even though they had my letter in their system. The representative was able to pull up a copy of the letter and see it, but could not explain why no action was taken. The rep stated that she would create a dispute case as of that day ( XX/XX/XXXX ) - but I explained that is a violation of Reg Z as the case should have been created on XX/XX/XXXX. The representative stated that it is not possible for her to " backdate '' the dispute claim and that consequently they will not be able to resolve my dispute within 60 days of XX/XX/XXXX. This is a clear violation of Reg Z.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020 I sent Transunion a letter disputing some inquiries that were unknown/unauthorized to me and they never responded or let me now an investigation was taking place. Its been over a month without hearing anything and then I sent the same letter again on XX/XX/2020 certified along with a method of verification letter ( which they received ) and still have not heard back from them.

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 2018-03-26
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against MG Credit as I do not have a signed contract with their company. This company is reporting negative information to the credit bureau which is impacting my credit worthiness. I have also attached the search results for Florida which is not showing an active license for this collection agency. According to the state of Florida Attorney General office they most have an license in order to collect in Florida. 

Please have this collection agency submit an active copy of their license to collect in Florida. If the company can not provide, I am requesting this negative account to be removed from my credit file as well as not sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Our office notified Capital One that XXXX XXXX passed away and that we were acting as his representative. We advised Capital One that we would notify them if an estate opened. 

After receiving our notification, Capital One began sending letters to the former business of the decedent stating, " We're trying to find the person who has the authority to pay the outstanding bills of XXXX XXXX XXXX out XXXX XXXX XXXX XXXX 's estate. '' Since we wrote to Capital One providing them with an address to communicate about the debts of the decedent, there was no proper reason for them to contact the former employment address. Capital One was provided with an address to send any questions or correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I started a loan with the company. I am never late with payments however I am overpaying in interest. The interest is taking the majority of my Money. I just paid on my loan and the whole amount went into interest. I feel this is fraudulent and taking advantage of the consumers. I will never be able to pay this loan off at this rate.

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 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I never got my government money all the way backfill XXXX still never got my end card or check.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 act XXXX  XXXX  account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with loan care for over 10 months now. I did a refi in XXXX, and have been making payments regularly since, each time involves calling and a bunch of XXXX.I reached out to you XXXX a couple months back and for a small moment things were oknow here I am again going through you XXXX for help! 

Here I am not able to make a payment on my account via the APP, online or via telephone. So upon calling and going through 20 plus minutes of prompts to talk with a person, I come to find out their is a freeze on my account stopping me from being able to make MY MONTHLY PAYMENT. No call/letter or email stating why, then after being on hold and speaking to 6 different departments my calls are dropped. Whats going on with this place, what a JOKE.

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 2020-06-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to XXXX XXXX XXXX XXXX for the original creditor Synchrony Bank ( XXXX 's Club ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX XXXX XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from XXXX XXXX XXXX requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.

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 2019-02-08
Company: WELLS FARGO & COMPANY
State: DC
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:
I contacted Wells Fargo about the fraud on my account. I woke up to texts on my XXXX about charges made by someone at a casino I have never visited. In fact I was asleep when the incident happened. The charges where made from XXXX TO XXXX. I was at my home asleep. I called and alerted the credit card company immediately. The filed the dispute incorrectly. The failed to include all the fraudulent charges made on the card. I have been back and forth with them trying to resolve this issue. I filed a fraud claim with the credit card company and have not heard anything else from them.

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 2017-12-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

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 2021-09-08
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:
FCRA Violations ; not mine ; Numbers, addresses, and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily Account name XXXX XXXX, XXXX. 
Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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: Their investigation did not fix an error on your report

Complaint:
Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX ALL OTHER NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries from sources that I do not know of, this is fraud. Several from XXXX  XXXX, XXXX XXXX, and more.

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 2017-12-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every time ERC calls, I them to stop calling me.I HAVE NO DEBT AND NO CREDIT ISSUE WITH ANYONE. 
I DO NOT KNOW WHY THIS ERC IS CALLING EVERY DAY. AND THEY USUALLY HANG UP WITHOUT SAYING ANYTHING. 
I want this to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Dear Sirs, Doing our taxes we just realized this. 
On XX/XX/2018 we made a wire transfer for {$7500.00} from our Citi business account. 
On XX/XX/XXXX, we were charged again {$7500.00} and another wire went to the same person. 

Basically, Citi had some sort of system failure that charged us twice. 

When I call them, they say that the only thing they can do is issue a recall, and when we tried to reach the recipient we receive to answer. 

Please, let us know if you need al pertinent information to be able to help us.

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX city hall abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and transunion says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did transunion verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX city hall to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/XXXX 2020

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 2020-06-24
Company: Experian Information Solutions Inc.
State: ID
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:
Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.

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 2021-09-08
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly. Otherwise, remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MI
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 act XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A 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 2021-10-09
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: Information belongs to someone else

Complaint:
Im filling a complaint because I'm a victim of identity theft. I have already notified Experian and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

Experian Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY 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