BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied to Comenity Bank for the XXXX Card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
Equifax states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX Wells Fargo closed an account I had opened with them on behalf of my father using my power of attorney. They had allowed me to open the account and I had deposited into the account money from the sale of his property. I had used that money then to pay off some of his debts. A few months later Wells Fargo informed me that I didn't have the proper power of attorney to open the account and told me I had to go to a branch and close it. I went to my local branch and they issued me a Cashiers ' check for {$8500.00}. When I asked them when the check would expire they told me that it would not expire. For various reasons I let the check sit. 

Two weeks ago I went again and opened another account for my dad using my Power of Attorney. This time I was told I had all the proper paperwork and the account was opened. I deposited the cashier 's check into the account after the banker assured me I would have access to the funds. At no time did the banker helping me tell me this would be an issue. A few days later I log in and find out that the check had been deducted from the account. After several phone calls from me to them with no follow up from Wells Fargo I was told by Wells Fargo that my check had been sent to the State of Pennsylvania as unclaimed property in XXXX of XXXX. At no point in time did anyone inform me that this action would take place, nor did they send anything to my father because he also has my address. Now when I went to start my unclaimed property check with the state of pa, I found that they have no record of this being sent to them by Wells Fargo. The complaint department at Wells Fargo told me they couldn't at this time provide me of evidence that they had sent the money to the state. So as it stands right now my family has been robbed of {$8500.00}.

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 explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the XXXX on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this Transunion show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

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 2020-05-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2021-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2021 I called Experian to get the results of an address dispute and to file a new dispute for items related to the address, I was informed it was nothing they could do, the furnished of the information I was disputing, was XXXX XXXX, I have documents to present, Im ask that Experian remove address and all related items to that address on my credit report, XXXX XXXX has removed the address and since they furnished the information, Im asking Experian to remove address and any related information to that address

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-02-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammers posing as employees of XXXX XXXX on XX/XX/2021 convinced me to make 4 payments totaling {$1400.00} to avoid disconnecting electricity at my home in XXXX, NY XXXX. The tool the scammers used was the Chase XXXX XXXX function offered and promoted on the Chase on line account page. I had never used XXXX before. The scammers walked me through how to transfer funds to a phone number. 

Upon realizing what I had done I immediately filed a report with the Chase fraud unit where I was advised to 1 ) close down the checking account from which I had drawn the funds, 2 ) open a new checking account, 3 ) file a claim with the Chase claims department. I did all of this. I was told the matter would be resolved by XX/XX/XXXX and that in most cases like this funds were restored. 

I received a notice posted to my online account on XX/XX/XXXX stating that the 4 scam transactions were never paid and that Chase would make no adjustment to my account. This notice is attached to this complaint. However, the Chase notice referenced only my closed account but the scam transactions had been transferred to my new account, which showed and still shows the money being debited. 

On XX/XX/XXXX I called Chase to correct their notice and insist that my claim be processed. Chase told me the issue was XXXX 's responsibility and I was given a number to call. I was unable to reach a live person at XXXX. After several more calls back to Chase I gave up.

My complaint is that Chase, by promoting and enabling XXXX, has provided scammers a tool to steal from their victims but does not provide even rudimentary safeguards against the sort of fleecing I experienced. For example, the supposed names of the accounts and the phone numbers were never vetted by Chase even though my scenario is a well known ploy. It's as if Chase has posted a loaded gun on their web site, encouraged customers to use it, and washed their hands of any responsibility for its consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I put my son in XXXX XXXX and they have charged me for a full month when it should only have been half. The charge was {$660.00} made on XXXX. It should have been only {$340.00} and they should give me back {$320.00}. Talk to them and although they admit the problem they do nothing to return my money. They promise to make me a check but they tell me there is no date to give it to me. It's already been 2 months. Being honest with you, it is clear that there is no intention of giving me back my money and they are waiting for me to get tired of claiming. 

I have contacted the WELLS FARGO bank with a dispute and they rejected it with the excuse that XXXX XXXX promises to make a credit but I was very clear with them that I did not need credit because my son will no longer go there. My son said they XXXX XXXX to make him put on the mask. My son has XXXX to go there. 

Due to the bank 's refusal to give me my money, I have had to turn to you. 

Keep in mind that what I am claiming is far below what they should actually return to me since the actual amount should be about {$1500.00} because they charged me for two months without my son going there and I am only claiming {$320.00}. 

I have attached an image with a red square to show the amount in dispute. 

Companies involved : WELLS FARGO XXXX XXXX XXXX Best regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a complaint for chexsystem I sent them a letter about some information that was inaccurate that didn't belong to me and it's giving me a hard time to open up a bank account. Under the statue of limitations at CRA if there's no response and must be removed or it's a violation and can be sued each Bureau and collection of {$1000.00} fine. I am asking to please remove XXXX XXXX XXXX XXXX from my chexsystem as an exchange. 


Thank you so much I appreciate your business sincerely

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 2020-10-30
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a {$19000.00} Insurance Check to First Bank Florida located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX on Thursday XX/XX/2020 at XXXX. The Bank agent kept me waiting for an hour and was unable to give me proof of deposit. I called the Bank 3 days later and the person who answered the phone looked at my account and did not see a deposit for {$19000.00}. I waited on hold 15 minutes to speak to the XXXXranch Manager who said the check was being transferred to a branch 5 miles a way and still in transit. I asked him why it would take 3 days to transfer a check 3 miles and I asked why the check was not showing as a DEPOSIT ON HOLD and he could not provide an explanation. Six business days later the check still does not show as being deposited into my account and when I call the Branch no one can tell me where the check is or why it is not showing as DEPOSIT ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened the account in XXXX of XXXX. The first time i used the account was in XX/XX/XXXX. The purchase was {$110.00}. I never received a bill. In XX/XX/XXXX the bill finally came only it had increased to {$340.00}. I called the company and they agreed that I pay the XXXX plus XXXX in interest. I did. In XXXX I received a billl for more interest. I called again. They told me they removed it. In XXXX I received another bill with more interest. I called again feeling it was resolved. In XXXX the same thing and in XXXX I told them to cancel the account. It is now XXXX. I have received another bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account access is locked and Citi will not provide me access so I can move my money out of this worthless company. I WILL NEVER DO BUSINESS WITH CITI AGAIN.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
These accounts that are listed in this complaint are a result of identity theft. Please delete these accounts and block them from my credit report because I have not gotten anything form these companies.

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 2020-05-14
Company: Experian Information Solutions 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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-05-14
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage  Companies Inquiry date : XXXX XXXX, XXXX Removal date : 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 2020-12-09
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:
I'm a victim of identity theft, this is wrong when Creditors do not verify new and open accounts. I did not give Consent on theses account, someone used my personal information without my Authorization.

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 2020-12-10
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: Account status incorrect

Complaint:
Experian has 14 late accounts on my credit report which is not true. All of my accounts was paid as agreed until I filed for bankruptcy. Please remove late incorrect information off 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 2018-10-03
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a loan with Chrysler Capital. My car was flooded out and my insurance company paid their part. The finance company sent me the bill. I said why so much. I asked them for a record of my payments. Upon receiving the report, I noticed that the first 12 payments went to interest. XXXX x XXXX XXXX dollars. They stated that was simple interest. I said that is not simple interest. They still have me owing XXXX dollars on the car. I wrote them and no one has replied to my letter or phone calls. They just keep calling for payments. They sent me a copy of my contract, so small you can not read it. I asked for a readable copy, not yet. This all happened XX/XX/2018. This is affecting my credit scor and purchasing power. What to do. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 5 years ago unbeknownst to me, my late wife acquired a few credit cards and ran up some debt. She passed away 4 years ago which is when I found out about this. I spoke to Consumers Financial Protection Bureau and was told that if 1 ) I didn't apply for the card, 2 ) never used the card, and 3 ) don't live in a community property state, I am not responsible for her debt. Using this information all of the credit card carriers, XXXX, etc. wrote off the debt. However US Bank eventually wrote it off but now they are calling me constantly, even after I asked them to put me on their " Do not Call " list. I understand they can be fined for that. They call from XXXX. It may be a collection agency. My credit score was hurt and still is with XXXX, XXXX who show i have 9 late payments with them. XXXX has my FICO score at XXXX where it belongs. Can you help me? Respectfully, XXXX XXXX XXXX cell XXXX. I'm going to be XXXX years old and the phone harassment bothers me. Thanks

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