BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I had made a dispute with Wells Fargo bank ( Claim Number : XXXX ) on me never receiving fund from a return shipment I had provided the order number and information on returning the products the bank will not accept video proof of me giving the carrier. I did everything on my part to now I am a victim of the bank and {$1100.00} in the hole because the bank needs more proof which I could have provided for them.

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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Bank arbitrarily took money out of XXXX, XXXX account ( XXXX.. XXXX ) on several occasions starting on XX/XX/XXXX and ending on XXXX XXXX XXXX. I did not owe any money on its associated credit card nor if any debit card. Total amount is {$1100.00} On XX/XX/XXXX, XXXX refunded {$350.00} to XXXX XXXX XXXX credit card account ( XXXX  XXXX ) due to cancellation of auto insurance policy. 
( On/about XX/XX/XXXX, I left USA for XXXX due to Covid-19 ). Chase closed the credit card account without crediting the money back to XXXX, XXXX. 
Thus the total sum is {$1400.00} On XX/XX/XXXX, for the Case No : XXXX, I submitted attachments : XXXX and Chase-XXXX-statements ( 3-pages ) .PDF for your reference. 
This part of statement shows payment items with very irregularity in chronicle-order, in styles, in strange-inconsistent make-up descriptions and so on. For example : {$470.00} was entered three times ; to charge the Account on XXXX with strange description, to reverse to credit the Account on XXXX and to reverse again to charge the Account on XXXX. 
On XX/XX/XXXX, Chase Bank responded to me and to CFPB in a letter stating Chase Bank took {$97.00} on XXXX out of my Corporate Account to pay the the credit card ending in XXXX. Chase did not submit the essential and necessary parts of itemized charges for this total of {$97.00}. I did not owe this amount. In fact the Bank Statement I submitted indicates that Chase reversed and credit it back to the Corporate Account on XXXX. 
Further Chase Bank took much more money out of my corporate Account totaling {$1400.00}, which are not responded. I re-attach herewith ; 4 pages ( XXXX ). I demand that Chase submits the detailed and itemized statements for credit card and if any for debit card to indicate the charge. 
Since XXXX of XXXX Chase has been wrongly charging me on non-flying tickets on my personal Account. One of them : XXXX as a ticket broker refunded {$1700.00} of XXXX XXXX  ticket on XX/XX/XXXX to Chase for my personal account while Chase continued to insist that no such refund ever come until XX/XX/XXXX in a three-party telephone conference initiated by XXXX. I am convinced that there are still other case/cases still existing in the unresolved dispute on my personal Account. Thus about XXXX of XXXX I switched over to other banks and stopped using Chase Bank for credit card and debit card activities. 
Furhther I left USA on/about XX/XX/XXXX my need for Banks in United States diminished while I switched to use my foreign accounts. I deny that I ever re-enrolled on XX/XX/XXXX while abroad for automatic payment on my Corporate credit card when it had once been discontinued previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

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: HW Holding, Inc
State: ID
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 requested Hunter Warfield to only contact me in writing. Provided correct mailing address and have yet to receive anything. 

On XX/XX/2023 Hunter Warfield reported collection activity to the credit bureaus against myself and my wife in the amount of {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Integrated Asset Recovery LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every time they call I inform them I only want to be contacted by mail and my ONLY source of income is SSDI And I'm XXXX them I hang up as they usually are yelling in the phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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:
In accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: WELLS FARGO & COMPANY
State: TX
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 was trying to refinance my home today XX/XX/2021 and according to my scores on XXXX  and XXXX is at XXXX but Wellsfargo states that my XXXXredit score is at XXXX : XXXX XXXX : XXXX how can that be fixed I contact both agencies and both have me at XXXX i dont understand how Wellsfargo is getting that credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Formally disputing the validity of an alleged debt, in its entirety, of {$820.00} from a creditor known as XXXX for an alleged creditor Account XXXX ( Afni Collections account number XXXX ) received in letter on XX/XX/2019. 

My specific dispute with the Afni Collections , Inc. alleged debt is based on the fact that I have never held any type of account with XXXX at any time, way, shape, or form. XXXX informed me services to the account was opened in XX/XX/2019 at an address ( undisclosed to me XXXX in the state of XXXX  although I have lived in XXXX  since XXXX. 

I am contacted the FTC, XXXX, AFNI, the State Attorney Generals offices in XXXX and XXXX, and the Representative of 3rd District of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Bread Financial Holdings, Inc.
State: TN
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 co-signed for an account with my late fiance 's daughter, XXXX XXXX XXXX, with XXXX in XXXX Florida. The account was opened with XXXX XXXX in duplicate, one for me alone and another for my Fiance 's daughter. When I called the Company Account Supervisor noted the error and told me they would make the correction within 60 days, however this error has shown up as a late payment on my credit report. 
The error account number is XXXX, and was opened on XX/XX/2017. XXXX nor XXXX XXXX has reported me owing money on account that was formulated in error and now reporting non payment on this fictitious account, which was opened up in error. Please help to correct this. My credit is bad enough without someone reporting this error on it. 
Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank mailed us a cash bonus offer to earn {$500.00} by depositing {$15000.00} in a qualifying checking account for 90 days. We went to the nearest branch on XX/XX/2018 and signed up with the banks representative. The rep suggested my wife also open a second checking account with another {$150000.00} to earn an additional {$400.00} dollar bonus. Around XXXX a {$100.00} bonus appeared on my checking balance. That left us {$800.00} short. It's been over 7 months now. I called the bank representative and she said they would look into it. She reported we were not getting the bonus money because ( surprise ) we needed to open a savings accounts too. This was never mentioned before. I searched the fine print and it states one can open " either/or '' checking or savings accounts as long as one or the other maintains the minimum balance. 
In short it looks like a bait and switch to gain free use of the money.

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 2022-09-10
Company: NORTHWEST BANCSHARES INC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I did not want two different payments withdrawn from my account. I assumed if the money was not in the account the payments would not be made just like if you make a purchase online, if the funds are unavailable the purchase does not go thru. To my surprise the bank put thru one payment as an XXXX. I immediately contacted the bank thru their help line on the first part of XXXX. I explained the situation & I was told twice all I could do was call the vendor to stop the pymts from being withdrawn. I knew this was a waste of time since the " vendors '' were predatory lenders. I assumed, again, that since I had an XXXX on my acct surely they would not put thru another pymt. The bank did. I was at a lost of what to do. I again assumed that would be the end of it. No, the bank put thru a third pymt as an XXXX  At this point I panicked & searched the internet for what I could do. I discovered I had the right to issue stop payments on both of these vendors which I immediately did. Why when I contacted the bank in XXXX was I not informed of this? I explained to the agent I did not want the pymts to be made & all he told me I could do was to contact the vendors, TWICE. I thought I had no options available to me. I am the customer of the bank. They should of informed me of this option saving me money in fees & 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 2017-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Mailed to XXXX, XXXX, Experian to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. 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 XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX/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 XXXXXXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to pay {$25.00} ( not a XXXX  dollar ) using the one time usage virtual credit cards with a limit of {$50.00} and again their strange system blocked the usage of the card and I simply try to pay products or services using the card what is a card for they have no respect for customer valuable time and still their webpages are XXXX  old style system that request a phone call, why you don't send a email, somethines they send a email asking if the customer approves or denies the transaction, but their strange system forgots about that very soon, asking to confirm the transaction by phone again, that's not possible since i'm using the web to pay for product or services and i'm not using a phone to order producs, like milions of other customers

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 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2018 charges were made in my cars that were not authorized. The charges add up to roughly 5000 dollars. I disputed these charges in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2021-03-04
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity Bank has been contacting myself, parents, wife, uncle, niece and even my wife 's place of employment about paying my credit card debt. I make payments as much as I can as regularly as I can and have sent them messages through their online contact system at least twice to tell them not to call or contact anyone or any number except for my cell phone and they will stop for a month or so and then start up again. It's rude, harassing and embarrassing and has made me never want to have any credit relationship with Comenity again and I steer anyone looking for credit away from them. Please make them stop contacting others and just stick with my contact information. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 FCRA, Experian/XXXX XXXX Account Number : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2021-11-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check from my employer ( which is a local and reoccurring check ) in the amount of XXXX dollars and they have since made XXXX dollars available. I have spoken with the manager at chase Bank where I deposited the check and he was rude and reassured me that he would break the law and make sure my check was not deposited I have spent over 11 hrs on the phone on hold trying to get through to the hold department at chase Bank. I am currently on hold as I type this complaint. Today is the XXXX of XXXX I have XXXX XXXX dollar late fees from my credit cards over this and a late rent payment. I already worked for this money I shouldn't have to work for it again my time is not worth nothing I could have made this whole amount over again that instead was wasted on trying to get what I already earned plus the XXXX dollars in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
American Express decided to close my account due to a dispute I put in there was a large amount of {$220.00} pending in my transaction I had no knowledge of the charge thats the reason for my dispute they canceled out my old debt card and sent me a new card number and insured everything is good to wait 10 business days for the investigation they let 10 days go by I called them XX/XX/XXXX I was told to wait Monday a extra business day Im in a very emotional stated of mind due to how I was being treated they sent me a email yesterday declined the dispute also closed my account I also found out from someone in my household they used my card with out my permission they apologize and agreed to work it out I am legally XXXX I have documents to prove i need someone around to assist me living daily activities, I called several time and got rudely unprofessional customer service behavior I explained the situation that was told to me from someone who was assisting me that lived with me. I was sent a email saying I violated terms I dont understand I havent committed a crime or any fraudulent activity I had no knowledge about the transaction. I had money inside my account they closed i have a XXXX XXXX  XXXX  child who is due for his medication this coming Thursday the medication is to prevent him from having XXXX without his medication he can got in a episode. Also I have plane tickets for next week along with hotel stays I was supposed to be traveling to Florida for my grandfathers funeral due to the situation it looks like I wont be there my direct deposit is scheduled to come this week from Social Security in the next two days it will not have access this companys behavior is harsh inconsiderate and rude I explain my whole situation to them and what happened also wrote a letter because the customer service representative stated that thats the only way my account will be opened up and then I called back again she said they will not open it is permanently terminated Now every time that I do call I get hung up they act like the call has dropped so I stop calling

Company response to consumer: Closed with monetary relief