BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to ChexSystems  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.

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 2023-12-07
Company: National Credit Adjusters, LLC
State: TX
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 was a victim in the XXXX information breach where my information was stolen by XXXX knows who and ever since I've had random charges and accounts opened. I've attempted to reach out to one of these companies in particular who will not work with me and understand and at the time I did not know my information had been stolen from XXXX at that point. Now after researching I've discovered that that is the case and I have the paperwork to show as well. I need to have national credit adjusters that shows as a write off removed from my credit report immediately as I have stated over and over and are you the fact that it is not mine and never was and I have no clue where this company even received my information from. I've never done business with them or given anybody permission to have my information so I don't know what it's even comes from but now I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have communicated with the 3 major credit bureaus in regards to an account with Capital One NA ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with Capital One belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold Capital One accountable and XXXX XXXX XXXX XXXX for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2018 vehicle was repossessed, and now appears on credit report as OPEN, and with XXXX different BALANCE AMOUNT. The amounts are as followed : {$10000.00}, {$9600.00}, and {$9500.00}. This account has been disputed several times, and all requests to provide proof and to have the account VALIDATED, Corrected, and/or Deleted has been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was unfairly XXXX from CNAC I tried to do everything possible to get it back and they wouldn't allow it and they sent me a letter stating that I had XXXX  days to come collect my things from inside the vehicle and that they would be selling it and however much they sold it for would come off of my remaining balance on the vehicle. However they did not follow that. I recieved a paper stating that they sold the vehicle for {$0.00} and that I still owed the full amount! I know they sold the vehicle for {$2900.00} because I seen it at XXXX XXXX XXXX and ensured that it was the same vehicle by checking the vin and I was told how much they purchased it for, not to mention all of this is free to lookup online! So I want this removed from my credit report bc they fraudulently reported it and have hurt my credit score long enough. They weren't at all fair in the entire process of buying the vehicle in the first place. And I have disputed it several times online and nothing has been done! Even when I submit the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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:
I am requesting the credit bureau present proof to me that I opened up a XXXX  XXXX XXXX account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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:
I am requesting the credit bureau present proof to me that I opened up a XXXX XXXX XXXX  account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.

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 2017-11-15
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Used my card for a vending machine and was charged over 150.00 in overdraft charges. When I called to help resolve the complaint and explain that I am a XXXX XXXX and do not have XXXX dollars to pay for overdraft fees, they said they could not do anything and would have to take me to collections over the charges. When tried asking for a payment plan, they denied the option and said they would not work with me. I proceeded to ask for a representative who could help and they said it was BBT policy. I am a XXXX XXXX that is not able to pay that much in overdrafts and still be able to pay bills. BBT will not work with me in this situation.

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 2022-01-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2017-11-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Chase incorrectly applied one of my payments to principal instead of payment and they have been hanging me late fees ever since. I have tried to fix this 3 times! In addition, I believe that their XXXX  has caused me to miss an important mortgage reduction offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. This check is not in either of my accounts and the funds were not returned to XXXX. I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. call me at XXXX for questions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
XXXX XXXX XXXX, AZ XXXX XXXX  XXXX {$2800.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$740.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX A XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-14
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( XXXX, XXXX and TransUnion ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wells Fargo credit card online account provided offer under my account that 10 % additional cash back ( on top of regular 1 % cash back ) on grocery purchase. This offer was provided under my Wells fargo account under 'WELLS FARGO REWARDS ' section. 
I added offer on XX/XX/XXXX to my account and made purchase of {$500.00} at XXXX XXXX XXXX on XX/XX/XXXX. 
Please see attached screenshot for the 1 ) Activated WELLS FARGO REWARDS offer 2 ) XXXX XXXX XXXX transaction using wells fargo credit card. 
3 ) XXXX screenshot confirming that XXXX is a grocery store I did not get the 10 % cash back despite following all steps. I spent several hours explaining Wells fargo customer service who are not unable to help and surprisingly most of the customer service has no knowledge on wells fargo rewards program. 
I called Wells Fargo customer service at XXXX on 3 times already ( twice on XX/XX/XXXX and XX/XX/XXXX ). 
I was asked to wait until statement generated and it has been generated over 2 weeks and still customer service is unable to help and resolve my queries. Most of the customer service do not understand WELLS FARGO REWARDS program so they kept transferring me to different group and once they connect me to right person, they hung up the phone in the middle of conversation or while they are researching the issue. 

My credit card statement has been already generated I am entitled to receive {$55.00} cash reward for {$500.00} purchase on XX/XX/XXXX. ( A ) regular 1 % i.e. {$5.00} ( B ) 10 % additional ie. {$50.00}. So far I received only {$5.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent a XXXX payment to my roommate but roommate didnt inform me they closed the account and wasnt able to cancel it right after i sent the money. Now wells fargo will not return my {$800.00} that is missing from my account. As i sent money via XXXX instead to my roommates new bank account. They denied the claim saying the payment was completed regardless of the 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 explanation
Consumer complaint received 2021-12-10
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Im disputing a property tax bill I received from Honda in the amount of {$630.00}. As shown in the attached DMV document the plates were cancelled on this vehicle effective XX/XX/2021. Honda is well aware that the return procedure for plates changed due to COVID-19 hence there was no option to walk into a local tax office to provide this notice. Further, I XXXX XXXX XXXX XXXX XXXX XXXX so the tax notice was sent to Honda and then billed to me making it even more difficult for me to dispute the tax bill since its not in my name ( due to the lease ). I have spent countless hours speaking to different representatives in an attempt to resolve this issue to no avail. 

I called XX/XX/XXXX and sent an email as evidence in the attached to request the refund Im entitled to but have not received a response or confirmation that the abatement process was initiated despite being told numerous times they would start the process. It has been approximately XXXX months of going back and forth and Im in the same place that I started. Honda can easily trace the calls by using my mobile number as listed on the account. As of today, a representative by the name of XXXX provided an abatement case # XXXX and stated it would take approximately XXXX months to reach resolution. 

This is completely unacceptable. I have replied to Honda Customer Survey concerning this matter, their contact center via chat support and phone and also by the email they provided. Today I was told there is no way to track the progress of this case and that they would not be sending any type of confirmation of this complaint and/or resolution. Please help get American Honda Corporation to do the right thing. Per my research they have multiple litigated cases for similar matters and unfortunately they are up to old habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. 



XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}

Company response to consumer: Closed with explanation