BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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:
ACCOUNT REPORTING TO MY CREDIT REPORT DOESNT BELONG TO ME FOR VERY LOANG TIME I WAS GETTING DENIED FOR CREDIT WAS NOT SURE WHAT WAS GOING ON UNTIL RECENTLY I REVIEW MY REPORT TO FIND NUMBERS OF UNKNOWN DEBT I HAD NO KNOWLEDGE OF AND I AM WORKING TO FIX IT ALL

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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is illegally allowing/providing XXXX XXXX XXXX operating under Capital One access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with Capital1, prior to XXXX, I had accounts with XXXX XXXX XXXXXXXX XXXX XXXX which were closed prior to Capital purchase of said brand. 

At no time did I or ask Capital1 for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to Capital1 for any reasons in fact I sent XXXX a letter opting out of sharing data without my express written consent. 

Capital1 has illegally obtained/requested my consumer report every month from XX/XX/XXXX to present date. 

I attempted to reach out to Capital1 who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-07-20
Company: Maximus Education, LLC dba Aidvantage
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Yesterday I received a notice from Aidvantage stating that my student loan payments will resume on XX/XX/2022 but the moratorium on student loan payments is until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new credit card with Wells Fargo. Once I received my card, I called customer service to request authorized user cards. I asked if the cards could be rushed over. The agent confirmed that they could rush over the card. I was not told that there was any fee. I was looking at the card charges and saw a {$16.00} charge for RUSH CARD DELIVERY FEE. I called Wells Fargo customer service to inquire about the charge. I simply asked the agent what the {$16.00} charge was for, nothing else. The agent automatically processed a credit for that charge. This is without me asking for a credit. 

Wells Fargo is continuing its abusive practices and so I wanted to bring to CFPB 's attention.

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 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
well I paid the minimum balance due before the due date on XXXX XXXX the bill was due XXXX XXXX and for some reason Capital one buy back credit card reported to the credit bureaus my payment was late when I paid the minimum balance before the due date on XXXX XXXX the amount of {$60.00} and when I called to speak to a Rep and then there supervisor they stating I can not due that I've paid on this card before early and never ran into this problem before so this needs to be investigated because no where in the terms of conditions does it state if you pay your minimum balance early you won't be charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a letter from Citi bank ( image of letter is attached to this complaint ) Stating the they were pleased to tell me that my " provisionL credit will be permanent " I never received any form of pay or added funds, less any provisional credit and now the dispute being resolved and closed and in my favor, THEY NEVER ADDED THE FUNDS to my account Not as a provisional credit nor now that it is resolved and closed ( DO NOT SEND ME A LETTER CLOSING MY CASE STATING SOMEONE ELSE MUST BE DOING THIS OTHER THAN MYSELF, what in the world is that!?!??! ) I AM 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 monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on 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 explanation
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the month of XXXX there were several fraud claims reported on my checking account, the bank said the account holder called and reported thr claims, but I am the account holder and I never put in those claims, one of the claims was for {$460.00} which was a money order i purchased to pay my rent and I told the bank that, then there was a # XXXX amount that I was unfamiliar with and the bank had no explanation of, they released the funds from those claims as availabe cash in my account before they even did the fraud investigation, I wanted to close the account, they said no leave it open while we do the investigation. I had my online banking shut down and about a week ago I closed the account and opened a new account at a bank I had a credit card with since XXXX. In XXXX, XXXX XXXX credit card payment which I pay by debit card when I get my social security check was sent back to the bank after it sat in the balance for a week, and there was {$2000.00} in the account when I did the debit, the same thing happened with my XXXX XXXX  I got letters from the credit card companies telling me the payments came back. There was funds availavble for both transactions. During XXXX  my husband who had online access said he deposiited {$1300.00}, but no deposit was showing at the bank, There was XXXX dollars in the account and then I got a email saying my balance was low, under XXXX dollars so I logged in to see what happened, there was no record of that XXXX dollars leaving the account, customer service could give me no answer of what happened to my money, and I told them my husband claimed he put money in the account {$1300.00}, I cancelled all my husband 's XXXX transactions he had scheduled because the money disappeared., There was {$2800.00} in the account, I put through a grub hub order for {$21.00}, they showed my account overdrawn by {$1.00}, no other transactions hit the account, they had taken money out with no trace, I complained to cuastomer service, they had no answer for it. It was obvious they were purposely trying to make my account look overdrawn and insuffivient funds, I have been with them since XXXX and never had problems until recently.

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 2021-02-05
Company: Red Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, First off, my loan process was started on XX/XX/XXXX with XXXX XXXX with Sage Mortgage and I specifically selected Sage over XXXX  XXXX because of his wonderful communication and customer service from XXXX. I was able to upload all necessary documentation by XX/XX/XXXX and everything seemed to be going smoothly until XX/XX/XXXX. At this time, my emails and calls remained unanswered until XX/XX/XXXX. This was due to the fact that XXXX was no longer my loan officer. This was never communicated with me, nor contact information provided for the new loan officer. Instead my emails and phone calls simply went unanswered. From there, XXXX XXXX XXXX, my loan processor was the only one working on the loan and it seemed as if she could not access the information I had given to XXXX because duplicate information was requested. Even more concerning, I was told that the information I provided about my condominiums insurance policy was incorrect. So I contacted the insurance company with information given to Sage in order to attain the master policy. They were able to provide this the same day. Considering this is a service that Sage is charging me for, it is odd that I needed to do it for them. 

Thankfully on XX/XX/XXXX I was assigned a new loan officer, XXXX XXXX. His communication was great at first except he, like XXXX, was requesting information that I had already provided weeks ( if not, a month ) earlier. Unfortunately, that same day all communication from XXXX halted and he was unable to get a hold of via email, phone call, or text. Not until XX/XX/XXXX did he contact me again to let me know he couldn't communicate with me because of an issue with his licensure in Colorado. He then halted communication that same day and once again no communication has been provided about my loan. 

My rate has now been extended twice by XXXX. After multiple attempts at talk to a supervisor or manager for months I've yet had success. Please help me figure out what is going on with my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.

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 2020-03-04
Company: EQUIFAX, INC.
State: LA
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:
I have been denied credit from the following XXXX XXXX for a credit card. The main reason is that Equifax stated that I had a credit score that ranged from 250 to high off 900. The XXXX that they are reporting is totally wrong. I have never had a score below 750

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
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: Account status incorrect

Complaint:
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

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 2023-10-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Tried to log onto my Chase card account to pay my bill. 

Presented with 2 new documents to which I must agree or I will not be able to use on-line banking.

One of them is a 10-Page agreement. The other is a 125-page agreement. 125 pages! Buried in there is an arbitration clause that I managed to get myself out of -- but I could not do that until i already agreed with the 2 documents, because there was no way to get into my account to do so.

Who knows what else is in that 125-page agreement -- who has time to read it, then run down every possible action to undo ( if possible ) certain clauses? And there is simply no practical way to manage this account without online access -- and Chase knows that. 

Chase is taking advantage of its customers. If I could get rid of this card, I would. But I have all my points and status with XXXX XXXX, and they use Chase as their partner. So I'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Was not notified of investigation status or results

Complaint:
So much anxiety and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.

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 2023-03-02
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My XXXX  transfer from XXXX in the amount of USD XXXX from my account XXXX in XXXX XXXX  to account XXXX in Citi Bank XXXX XXXX has been rejected. Its been sent back to a correspondent bank CITI Bank NA and it is being held there for over 10 months now undeclared, not reported to XXXX as blocked and not accounted for to the remitting bank which makes it impossible for me to apply for XXXX license. It is now over 10 months that I am not receiving any information with regards to my funds. Even to track the funds I had to get multiple XXXX and reports from remitting bank to figure out the location, as CITI bank NA would not communicate to any of the involve parties ignoring all and any inquiry. They keep my funds unlawfully for over 10 months.

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 2023-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to the Department of Motor Vehicles in XXXX XXXX to apply for a new driver 's license, which to this date, I never received. On XX/XX/XXXXXXXX  after checking my bank account balance, I became aware that an unauthorized individual had withdrawn {$1300.00} from my account. On XX/XX/XXXX, I went to my branch to report the incident which they improperly dismissed. Again on XX/XX/XXXX, I returned to inquire why my claim was rejected. This time, I was given the proper paperwork and refiled the claim. Again, the claim was rejected. Their reason for rejecting the claim was that the signature and location matched. I am guessing the reason is that my driver 's license was stolen. 

Since then, I reapplied and received a new driver 's license. Additionally, the individual who withdrew the {$1300.00} from my account had recently attempted to open another account at a different bank and applied for a credit card at a department store. I believe that the bank could clear this matter up by checking the tapes and they'll find that an unauthorized individual had withdrawn the {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

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 2022-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I just recently sent a complaint anout Wells Fargo not letting me open account now the day say I owe then 3 hundred dollars I dont owe Wells Fargo nothing yall close my account for nothing yall are XXXX and its getting annoying.

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