BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have been with Wells Fargo with many years and purchased their Credit Defense Platinum program. Allowing me if need be help if on XXXX. Unfortunately, this has become the case. I tried to handle the card on my own and I watch it blow out of control. I called in kept asking what was happening. Knowing I was not going out of my budget. Come to find my interest rate went up, costing me {$250.00} a month. I asked to enact my insurance/benefit policy on the CC so I could pay it down. I also started to receive letters in the mail reminding me I had this option open to me. However, every time I called in I would get the run around that no one knew what I was talking about or that WF never offered such policy and would transfer me to the individuals to close my account. Which I repeatedly said I did not want to do. I kept calling, after reading online seeing others had trouble with this benefit as well. Finally I came in contact with XXXX ; who knew exactly what I was speaking about. and transferred me to the correct department. After multiple phone calls and waiting on hold forever ; I got through to be told NO. My XXXX dates didn't align. I looked over my papers and found they did in fact meet the WF requirement dates. I called back and spoke to another individual telling me no I can not file a claim because i

t was XX/XX/XXXX and all claims needed to be filed by end of XX/XX/XXXX. Even though the recording says XX/XX/XXXX. I started calling WF XX/XX/XXXX and being told this service did not exist. How can I file a benefit if they won't admit to having the service and second have two different filing dates? please help.

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 2022-02-03
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased an XXXX series XXXX for XXXX from Sam 's club online. On XX/XX/XXXX, XXXX  claim they delivered the package but I was totally unaware because the driver didn't ring my doorbell or knock on the door to let me know I have a delivery. 
The box was left unattended on my porch all night and apparently someone stole the package. 
Now the credit card company is being uncooperative and basically accusing me of lying. At this point, I don't know who to turn to for help in resolving this issue. I don't have the money to pay over four hundred dollars for merchandise I never received.

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 2019-09-30
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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: U.S. BANCORP
State: MN
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:
A fraud transaction of {$450.00} by XXXX XXXX XXXX occurred on XX/XX/XXXX in my US bank checking account. I filed the first claim to US bank immediately after I found out ( early XX/XX/XXXX ). After I was notified that the claim was denied, I called the fraud department/fraud liaison center and explained why it was a fraud ( reasons being 1. I am not a XXXX XXXX XXXX member. I couldn't have shopped there. 2. The signature shown for that transaction doesn't match my signature on file ). I was told that I can file the claim again to re-open the case. So, I sent in the second claim on XX/XX/XXXX. I called back a few times to check the status and was told it's still under investigation. Eventually around end of XXXX, someone from US bank suggested filing a police report. So I filed a police report on XXXX XXXX and faxed to US bank on XXXX XXXX. 

US bank refused to refund my money back. Initially I was told the claim was denied because it's an authorized transaction. After i filed and faxed the police report, I was told it was denied because it's outside the claim window. I initiated the claim within a month, and was primarily held up by US bank liaison center personnel. I spent hours on the phone with the liaison center personnel and no one ever mentioned about claim window or anything related. In addition, no one mentioned about filing a police report until end of XXXX. 

As of now, the bank 's fraud department refused to refund anything. Only a branch manager managed to refund XXXX of the {$450.00} to my account using some local fund.

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 2019-09-21
Company: CNG FINANCIAL CORPORATION
State: GA
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BB&T CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had bought a new XXXX XXXX XXXX in XXXX 2010 and I had a contract to finance this car for 72 months. I deferred a few payments over the time when I bought the car. The car was financed for {$27000.00}. The car should have paid off by now and I talked to the finance company XXXX XXXX to see how much I owe and they say I still owe over {$13000.00}. This amount is crazy I asked for an audit of my file and they wo n't do it they say everything is correct. There is no company on this earth that would finance a car and if someone is that far behind in payments would n't repo the car. They know I make my payments in a reasonable amount of time over the years of finance even my credit report shows. Now I 'm afraid they will repo the car that I should have outright owned a year ago. Is there any help I can get to rectify the situation? They are telling me I have to pay over {$13000.00} to pay off the car.

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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX we mailed a {$2600.00} check to our landlord, for XXXX rent, as we did every month for the past 6 years. 
on XX/XX/XXXX, we were notified by the landlord, that they never received our rent check for this month. 
But when we checked our bank account, we found out that this check was cashed already on XX/XX/XXXX. 
On the same day, we reached out to our bank ( Chase ) to report on a stolen check, and we were advised to come to the bank in person and fill out a : Declaration of Unauthorized Endorsement or Altered Item. And this is what we did on XX/XX/XXXX, and have records of all these steps. 
Since then, we kept calling our bank to follow up on our report, and have been told, that this issue is under investigation and will take time. 
3 months ago, the representative told us that they found out that the check was cashed in the XXXX XXXXXXXX XXXX, and this is their responsibility to pay us back. They told us that they reached out to the XXXX XXXXXXXX XXXX, and we should give them 90 days to respond. 
We called chase on XX/XX/XXXX to follow up, and have been told that they already sent to reminders to the XXXX XXXX  XXXX, and they never responded to them. Therefore, they will have to close our case, and our money will not be recovered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX send me to collection. I have a contract with them for 2 bottle of 5 gallons very two week. They send me a bill for delivery of 5 bottle that I never receive. I ask for document of delivery with my signature but they never provide it to me. The amount was {$140.00} Opened XXXX XXXX, 2016. 
Name of collection company XXXX phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am very dissatisfied about a negative reporting that had been placed on my credit filed without my acknowledgeable, but smear lie, bias, discrimination, bigotry and because of my feminist status. I am a hard working XXXX that hardly afford to pay my own bills, in fact I have never done business with the alleged creditor for the past years while being in the united states. XXXX XXXX XXXX did n't just report the wrong information, but they also violated my consumer right, and that has hurt my credit in some way of the other. I request that the information reported by the management be removed, and necessary action taken against the management for making such ignorance statement.

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 2019-09-21
Company: Innovis
State: AZ
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:
The following accounts listed on my Innovis Consumer Report are all fraudulent accounts : XXXX XX/XX/XXXX XX/XX/XXXX # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX MasterCard # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXXXX Rewards Visa # :XX/XX/XXXX, XXXX XX/XX/XXXX # : XXXX, XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XXXX XX/XX/XXXX# : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX # :XX/XX/XXXX. The above accounts are all fraudulent accounts and not my accounts. I been receiving harassing and threatening telephone calls of profane, vulgar and and abusive language, garnishment of wages, job loss, being sent to jail and prison, violence and death from the above creditors Debt Collection Representatives. This is extremely concerning, disturbing, disgusting and frightening for me to be receiving threatening and harassing telephone calls of profane language, violence and death. I am in fear of my life. The above creditors are in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. Innovis should not have these fraudulent accounts on my credit report. Innovis is in violation of the Fair Credit Reporting Act under Federal and State laws for reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. We called Equifax on XX/XX/XXXX to inform them my credit report dated XX/XX/18 indicated that I had a score of XXXX. I spoke to a customer service representative who promised to give me my score once I paid the {$7.00} fee. After erroneously having my debit car charged twice, he informed me that I would receive my score in 10-15 business days. I then asked for a supervisor who essentially confirmed to me that a score of a XXXX was correct and Equifax was unable to calculate my current, accurate credit score. After being placed on hold several times, the supervisor promised that she would call me back with a solution and correct credit score. She even promised to email me, and gave me a confirmation number of XXXX. I was NEVER called or emailed. I still do not have a Equifax credit score. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX Auto Loan, and my current education loan through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 explanation
Consumer complaint received 2021-09-15
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: Investigation took more than 30 days

Complaint:
I've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section XXXX civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: DC
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 checked my credit profiles for months and there were fraudulent accounts that were on my profile and one was removed, but re-inserted and I was not notified in a timely manner. However, the XXXX account was reinserted damaging my credit profile. Also, XXXX, whom has told me to contact the credit bureaus in regards to this to get these accounts disputed or removed.

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 2019-03-03
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence and XXXX : This is the third time Ive submitted the fraud packet and included a police report file number. Ive now had to file 2 different reports with 2 different police agencies. I have submitted the information as requested and have provided proof that Ive been with XXXX XXXX XXXX on a family plan for 22 years ( 1997, when I turned XXXX ). Ive never had service with XXXX and when I originally dealt with this, XXXX assured me we had no business and they closed the fraudulent claim. How it has been resurrected, an invalid and fraudulent claim, is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Was not notified of investigation status or results

Complaint:
Transunion is not investigating dispute and fraud/ police reports I have mailed them twice with certified mail return receipts. When I call they state that they have not received them. This has been happening XXXX months and I have all documentation to prove that. This is costing me time and money that I dont have for their negligence.

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 2021-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I applied online for an unsecured personal loan with Wells Fargo. I was conditionally approved ( Application ID XXXX ). I spoke to a branch manager telephonically at the XXXX, California location. He indicated the loan is conditional because Im required to login to their website and agree to the terms and conditions of the loan and sign electronically. The branch manager also indicated Im not required to provide identification, W-2s, tax returns, or pay stubs. On XX/XX/2021, I logged onto the Wells Fargo website and agreed to the terms and conditions of the loan and signed electronically. On XX/XX/2021, I received electronic mail and a text message stating Wells Fargo Personal Loans We need additional documentation for your recent application. For details, sign on at wellsfargo.com/status I then signed on and the website indicated I already signed and agreed to the terms and conditions on XX/XX/2021, and the loan status is complete. There were no additional instructions on Wells Fargos website. I called a branch manager today and he indicated he does not know why I received an email and text message from Wells Fargo. I was given a telephone number to Wells Fargos advocacy group to file a complaint. I called ( XXXX ) XXXX and received an automated system that the department is closed and to call back later. The automated system did not inform what their hours of operations are. I then called the telephone number for Wells Fargos XXXX XXXX XXXX at ( XXXX ) XXXX and received an automated system that did inform what their hours of operations are. Moreover, I was told by a customer service representative the foregoing departments close at XXXXXXXX XXXX. Eastern Standard time. Im Pacific Time. Most consumers work XXXX XXXX to XXXX XXXX those hours are inconvenient for those in Pacific Time. If I work XXXX, how am I suppose to speak to someone regarding the text messages and emails Im receiving? 

Secondly, when I logged onto the website, I received a message instructing to logoff my mobile device or tablet and continue on a desktop or laptop. I dont have a desktop. It is cumbersome to find a desktop during the deadly pandemic. Im tired of being harassed with text communication and electronic mail instructing to login and complete my loan documents when I already have. Im requesting a {$10.00} reimbursement from Wells Fargo for my XXXX XXXX cost to use their desktops in an attempt to follow Wells Fargos egregious 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 monetary relief
Consumer complaint received 2017-07-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Bread Financial Holdings, Inc.
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:
I have many credit cards and I pay off my balance in full every month. The card in question is a Comenity Bank issued Caesars Visa card. In my XX/XX/2022 statement, there were transactions totaling {$39.00}. As I was paying my bills, I had to hand write the address because the cc company did not attach an envelope which I had complained about before. I sent in my payment early ( about 10 business days ) and even decided to use the card at where it was issued on my trip. XXXX my horror when I received my new statement in XXXX and aside from my charges, there was a late fee of {$29.00} and interest changed of {$3.00}. I called the cc company to resolve the issue and was told the company received my payment on XX/XX/2022 instead of the due date of XX/XX/2022. The staff could not take off the charges so I asked to speak to a supervisor. He said they had given me a pass about 8 months ago. On further research, I read that the main bank company ( Alliance Data ) and its subsidiary banks have trimmed staff etc.I don't believe the postal service is that inefficient that the mail takes so long that the supervisor blames it on the postal service. Who knows when the bank staff input the payments etc in light of labor shortages due to covid etc.I am complaining based on principle because I believe it is unfair and that management gets the complaint and that the CFPB is aware of abuses like this. I have spent more time on this than it is worth but I believe it is my civic duty to speak out. I am sure others have just paid and moved on which is what I am sure the bank is counting on. Wrong... please look into it. The supervisor there at Comenity is XXXX # XXXX.

Company response to consumer: Closed with explanation