BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a personal account and business account with wells fargo. I own a small salon and was doing my credit card processing with a booking company called vagaro. My wells fargo branch manager came to my salon with his laptop and for weeks tried to get me to switch my credit card processing to wells fargo. After 8 weeks of weekly visits with other members of the bank branch I finally agreed to switch if they would stop coming to my business. They had me sign a document at my business while I was with clients, after I signed I got a machine in the mail and began processing with what I thought was wells fargo. After the first month I was charge over XXXX dollars and fees and my account had multiple fee and withdrawls without any reason why even on days that my business was not open or processing credit cards. I had multiple accounts that were open and I had not opened them. I went to the bank branch 5 different times and they told me they could not stop the withdrawals from my account and that the branch manager had been promoted so I could not speak with him. They told me that I had to call a 3rd party who the processing company was with. I called and tried to send the processing machine back even though I had paid payments for it, I did n't want money back I just wanted to end my contract. They informed me that I could not send it back and that I would now be charge 3 times the amount I was told the machine cost by the branch manager and that I had to pay XXXX dollars to end my contract. My credit score went from XXXX to XXXX because of the credit hits that came from wells fargo and the credit card company. My small business is on the verge of bankruptcy and I am personally struggling because of this. I feel it is unfair for wells fargo to come and solicit my small business for processing and then charge me thousands of dollars in fees and withdrawals without answering as to why or how I can fix this issue.

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 2017-07-13
Company: Springer Collections Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Spring Collection at  XXXX  contacted my mother today asking for myself or my husband, as well as informing her of who they were and that they were collecting debt on our behalf.  <P/> I am currently at work, but then they also called my phone number, so why they called my mom after she told them she was not them and giving her our debt information is not the proper practice. I have relatives with my last name that I wish to not be notified of my financial issues and would like to speak with someone in regards to what I can do. I have not lived in Minnesota for 5 years now and do not know what this debt is regarding, and I do not want to call and give them any of my information, now that they just shared it with a family member of mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NV
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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 Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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 2017-07-13
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated calls from  XXXX . When I tried to return the call, I could not understand the person who answered. I believe these people calling are trying to rip people off.

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 2021-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/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 2019-10-17
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, Said XXXX XXXX of US Bank in XXXX, NE, contacted my husband and I via email and phone under the pretense that he needed to review something with us from our last mortgage payment. This was in fact, an attempt to sell us a refinance, and had nothing to do with our visit to the branch. He became argumentative when we raised this concern. We asked the branch manager, XXXX XXXX, who was later CC 'd on the email chain by Mr. XXXX, to contact us directly, and he 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 2019-05-24
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The creditor CITIBANK ( aka CITI Simplicity credit card ) wrongfully accessed and attempted to collect interest not earned on a paid in full credit card balance. The CITIBANK Simplicity credit card monthly billing statement includes language that you can avoid additional interest from being charged by paying your balance in full on or before the due date. I paid my balance in full on or about XX/XX/XXXX with the due date of XX/XX/2019. When I received the next months ' statement CITIBANK had charged me an interest amount through XX/XX/2019. Worse case they charged me an overage amount for at least 4 days. Although the amount was small, and less than {$2.00} I still called to complain and requested the amount be waived. The CITIBANK phone representative told me that CITIBANK charges interest from due date to due date. I asked about the language on the monthly statement to which she had no answer or explanation. Although CITIBANK did waive the interest charge in my case this is still a false and deceptive practice which I am sure is affecting the majority of CITIBANK 's credit card customers. If thousands and thousands of consumers are overcharged each month by a dollar or two each month in unearned interest that amounts to millions in false profits to this institution..

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 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency, In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: U.S. BANCORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Noticed erroneous {$190.00} added to the loan amount ( not disclosed in the documentation ) and odd amortization.. Monthly principal is {$600.00}. I made the first payment early ( {$610.00} in principal paid ), then made the second payment on-time and {$510.00} of principal was deducted. This does not seem accurate to me. I called the bank and was told that they couldn't reconcile the extra {$190.00} and weren't sure about the principal except that it had to be because i made my first payment early. This didn't make sense and they said they would follow up with loan ops and call me in a few days. That was weeks ago.

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 2017-07-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX Santander reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow Santander USA to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow Santander, USA to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding Santander 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information Santander has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>Santander, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... XXXXthe response they sent is uploaded Accounts in question was : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these 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 explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, 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:
This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA  15 USC 168i ( 5 )  ( A ) Procedure in case of disputed accuracy, you have  30 t o respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii , nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC  section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney under  15 USC section 1681n or 1681o "  Civil liability for willful noncompliance. '' Your credit bureau may be liable for :  1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court may allow 3. costs of the court action, plus attorney 's fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: ONY GLO, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last XX/XX/XXXX, a lending company in XXXX California ( the same lending company who helped us purchase our house ) offered us refinancing our home without closing cost and other fees. We just have to pay for the appraisal and the processing fee for the solar documents. So we went ahead and paid the Appraiser which they assigned {$700.00}. We went ahead also and paid {$150.00} to the Solar company so they can go ahead finalize the refinancing. This went on until XX/XX/XXXX. We signed documents so they could check our credits, we signed and submitted all approval conditions documents and submitted paystubs. By the end of XX/XX/XXXX we were told that we are approved and they are just finalizing the process. We last heard from them via email on XX/XX/XXXX saying that they are still finalizing the closing process. We tried calling their contact numbers and sent emails several times without response. Their office phone Operator keeps on saying that the person-in-charge will call us back because the personnel in-charge is still with a client. 
Until now we do not know about the status of the Refinancing process and it is already XX/XX/XXXX. We are concerned that proceeding with the refinancing is no longer cost-effective and that we have spent {$850.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Information belongs to someone else

Complaint:
I feel that I'm a victim of 15 U.S. Code 1681a ( f )

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 2019-10-26
Company: SYNCHRONY FINANCIAL
State: AL
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:
Alot of hard impacts are effecting my credit.

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 2017-07-13
Company: North American Credit Services
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep repeatedly dinging my credit reports with false info. It is my son 's debt. They change the dates and for 3 years in a row keeps getting put back into my credit reports in  XXXX  with a new date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold some items on Paypal. They said money would be transferred to my checking account in one business day. Today is the third day, no money has reached my checking account. I phoned them they told me there was nothing they could do. I read our Paypal user agreement to them and they told me there was nothing they could do to release the funds at this time. Here is a copy of the user agreement : " We may delay a withdrawal, in certain situations, including if we need to confirm that the withdrawal has been authorized by you or if other payments to your PayPal account have been reversed ( for example, as a result of a chargeback, bank reversal or dispute by a buyer ). Additionally, if we place a limitation on your PayPal account while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation has been lifted. '' None of the above circumstances relate to my situation in any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit after being denied multiple times for a new auto loan. I noticed an account for COMMONWEALTH FINANCIAL in the amount of {$650.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX   XXXX XXXX. 

First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency.

Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income.

Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation