BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I submitted a claim to Wells Fargo Bank. After XXXX gave me a refund for a cancellation that I canceled well within the time limit. But the the next morning they took the money again it was {$650.00}. I contacted XXXX about the problem didn't get any assistance. At that time I summited a claim with Wells Fargo Bank. They temporarily adjusted my account for {$650.00} But now 3 months later on around XX/XX/XXXX the bank reversed my claim and I kept contacting the bank spoke with several bankers they said there was nothing that could be done because the claim was closed. I then called XXXX and asked for a refund again didn't get any answers. I then called the Bank again and asked to speak to a supervisor supposedly the bank connected me with a supervisor. The lady whom I spoke with started reading to me the information XXXX sent in and said it wasn't readable and said it looked fraudulent. So she claimed she was going to open a new claim but when I called to check on the claim the bankers said there was never a new claim opened. I also called XXXX back and informed them I spoke with a bank supervisor and the supervisor said the form they sent in their defense looked fraudulent and wasn't readable and I told them I would get the federal government involved if I had to. At that point they agreed to refund my money in the amount of {$650.00} which they said they will on XXXX XXXX  because the XXXX host is having financial difficulties. Now Wells Fargo keeps giving me overdraft fees for a mistake they made. I also have the screenshots in my phone where XXXX agrees to refuse my money. I have reason to believe someone in the claims department at Wells Fargo Bank is working with someone at XXXX to steal money from customers accounts

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 2020-01-31
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi my name is XXXX XXXX i was the co borrower on a loan application with my father XXXX XXXX We apply for refinancing in XX/XX/2019 with amerisave mortgage i was pre approve i started the sending over all the request completing there request with in days. I was told i need to pay for appraisal fee so we did after appraisal the broker who was handing the request was removed from the account, i was giving a new loan officer and we started the process all over again four weeks in the process with this new loan officer they inform ed me on a fha loan the co borrower must life in the house i don't life in the house hold only supporting them financially. The next step was to have the loan in my mom and dads name after third attempt they declined loan application saying the FICO score is to low. when the original application was started the credit score was 50 point higher. This is a consumer fraud this company was the cause of the credit score to  decease then decline the loan. 
My contact information is XXXX email XXXX the person I last was working with was XXXX XXXX ph # XXXX his email 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report.

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 2022-09-11
Company: EQUIFAX, INC.
State: KY
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 am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Validate Account XXXX OF XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 2. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 3. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 4. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-11
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on Equifax XXXX This account is not FCRA compliant and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was trying to buy concert tickets for the upcoming Friday 's concert ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone on XXXX was selling tickets, I messaged him, and then I was scammed when I sent him money ( {$90.00} ) over XXXX because he immediately went offline and blocked me afterwards. 

His name on XXXX was XXXX XXXX XXXX -- however, on XXXX, it turns out that his actual name associated with his XXXX account is XXXX XXXX. The email associated with his XXXX account is XXXX Please investigate this.

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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Dispute Case Number : XXXX. Merchant Name : XXXX XXXX. Date of Transaction : XXXXDisputed Amount : {$230.00}. 
I disputed that charge because I did not sign, authorize, or agree in any way to pay XXXX XXXX the Disputed charge for {$230.00}. 
Capital One did not resolve the dispute so I called the number provided in their letter on XX/XX/2022 trying to resolve the disputed charge on my account. XXXX was the employee that responded to my dispute that day. His behavior throughout the entire call was outright unprofessional, rude, and disrespectful. I asked XXXX several times if he could provide me with the documents that the merchant provided to check if they were right or falseXXXX refused to provide me with any type of documents or information. Throughout the entire conversation, XXXX kept cutting me off and refused to listen to my concerns or find a solution. Since Capital One records their calls, and due to the extreme rudeness, I began to also record the call for my own record and protection. When I told XXXX that I was recording the call, he began acting irrationally and told me that he would refuse to continue the call if I did so. I asked him to not hang up and to transfer me to another representative. XXXX instead, disconnected the call and hung up. I sent email to complain to XXXX I just received an auto-reply confirming that they receive the email then the next day XXXX left a message on my cell phone when I call her back to the number provided I got someone else on the phone. Unfortunately, it was XXXX again but this time his attitude was worse and his behavior was much more aggressive. Like last time, XXXX kept cutting me off and refused to transfer my call to XXXX. Since I already had a bad experience with XXXX I told him that I was not calling to talk to him but rather to talk to XXXX and that I was recording the call. When I told XXXX that, he acted irrationally and instead of transferring my call, XXXX disconnected the call and hung up. I sent three faxes so far to explain the situation but until now I did not receive any documents from the merchant or Capital one showing that I sign, authorize, or agree in any way to pay {$230.00} Capital One should honor its policy and its advertising regarding Zero liability for unauthorized charges and refund {$230.00} especially since I promptly reported the issue in writing and over the phone. 
I am shocked because of the bad customer service and lack of communication and understanding. 
One of the reasons I signed up for the Capital One Spark card and pay $ XXXX  yearly fees was due to the advertisement that there is zero liability for unauthorized charges, which is my case because I did not authorize, sign, or agree to pay that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I do not have exact dates but multiple times I have received offers from Experian saying that they have found credit cards that I qualify for. At least twice I have applied for such cards just to be told that I do not qualify for them. Each time I do so it generates a report which likely affects me negatively. They need to stop doing this to people giving false hope and causing 'credit report inquiries ' to appear on my record. I selected this company to help me monitor my credit...... Not ruin 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 explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To Whom It May Concern, I thought it would be easier if I copied what I sent to Kohl 's Office of the CEO. I don't even know if I have the best contact to be honest, but I feel severely harassed by Kohl 's Credit Credit Card. If I need to get the phone records to verify I am willing to do that! 
I understand losing my job for 3 1 weeks is my problem, but I haven't slept in 9 days as I started 3rd shift. I'm clearly a little behind, and trying so hard to be honest and catch up!! I called last Thursday to make a payment and was told current and all set!! It is not even a week later. If Kohls needs to put me in tears for a XXXX and a XXXX late fee I refuse to pay, then shame on them! a I will never shop at Kohl 's ever again. I don't they care, but I want them addressed for harassment!! My phone number is XXXX. Thank You! 

XXXX XXXX XXXX Good Morning, My name is XXXX XXXX and my Kohls Charge is # XXXX XXXX XXXX XXXX. I just had a whole email I was going to send thru the message center, but this needs to be addressed a little bit more up the ladder I guess. I recently lost my job for about 3 1 weeks. I know you could probably care less ( clearly ), but was pretty horrific for myself! I'm back to work 9 days and my guess is your credit card customer service has left 5 voice mails, called ( ALL HOURS ) from multiple numbers. I couldn't even block them all, and to be honest, I gave up!! 
So now that I'm back to work trying to catch up I can't sleep because the calls come in all the time. I started 3rd shift too. Also, if you check your ( recorded ) calls I did call last Thursday, and was told current!! Pull your calls and records and prove me wrong if you wish I don't really have ANY respect left for Kohls to be honest!! So, here it is Tuesday and all hours phone ringing. I did get a restricted call once at XXXX XXXX  EST, and I'm having XXXX research to tell me if it was Kohls!!! 
I will not pay your late fees nor will I shop at your store again! If I get one more phone call I will contact the XXXX XXXX XXXX, Federal Trade Commission and do some research on the Kohls Class Action Suit that was approved to move forward a few years back. What you're doing is out of line and harassment! Like I said, I'm not paying any late fees and I best not be harassed any more by phone. I will make your MUCH NEEDED XXXX this Friday. I also pray that restricted call wasn't Kohls Credit Card!! This is my email and I will respond. Your company had me in tears. Kohls should be ashamed!!! 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-06-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/2023 I went to my local 5th 3rd bank on XXXX XXXX, XXXX, IL and requested {$1200.00} to be wired to my cousin 's bank account in XXXX so he could pay my property taxes for the home I have there. The wire transfer was returned due to the local bank had input the wrong bank account number and XXXX number even though they had the printed document from my cousin 's bank with all the proper information. I found this out because my cousin said he never received the money, so I looked at the receipt the bank gave me. I called the bank and they looked into this and told me the wire was returned. I told them to cancel the wire as I had to give my other cousin who was out here visiting a check for {$1200.00} to give to my cousin so he could pay the taxes on time. Then at the end of XXXX the local bank called and wanted me to verify the bank account numbers, at this point I told them to cancel the wire, again, which they said they would do, then in XXXX I receive notice that they wired the money again, and it went through, I was upset as I told them to cancel the wire, which again was never done, I let my cousin know to watch for the money and to date, he has not received the {$1200.00}. I have tried multiple times to resolve this with the bank through their wire dept and dispute department, but no resolution, pretty much, I am out the money and they can not provide any documentation or information on their research that lead to them denied my dispute as to where the 2nd wire went, who did it, etc., no swift report, etc., and said I can not have copies of these documents. I asked to be transferred to their claim department to file a claim under their Errors & Omissions coverage as this was their mistake originally providing the wrong bank information as well as I did not authorize for them to put the wire through again and was never given any receipt for the 2nd wire transfer and I was told they don't have a claim department. So here I am out {$1200.00}, this is a major loss for me as I am XXXX XXXX XXXX with a very limited income. I am beginning to think that the local bank may have taken the money as they would not do what I told them to do and they keep trying to cover up their mistake. 

Time to look for a new bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX XXXXk XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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: Personal information incorrect

Complaint:
These are errors:Addresses:XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX

Company response to consumer: Closed with explanation