BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I recently went to XXXX XXXX to pick up a few things, one of the items was a bottle of XXXX. Upon purchasing the item it charged me nearly {$13.00} for one bottle of XXXX when the sale price was half that at {$6.00}. I contacted CashApp to explain the situation and file a dispute as i was clearly overcharged. However one day later they get back to me and say they deny my dispute because of personal feelings which they believe Im lying or over exaggerating the situation. Who in the world has that legal right to discriminate and deny a dispute based off of personal feelings? I submitted facts showing i was charged that much for one simple bottle of XXXX but they refused to give me my money back that is also supposed to be FDIC insured by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm really frustrated in trying to resolve this matter with Capital one, I requested statements from them since they are reporting several lates and I wanted to see when these payments were posted since I feel I was always on time with my payments. 
My first request was with the bureaus on XX/XX/2017 I got a response from capital one XX/XX/2017 which I will provide attached. Again I sent in a request to the bureaus several times following that time to which I got the same or similar responses. I provided all the information they would need to look me up. I feel like the responses are just trying to avoid responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal hold my funds. Apparently they decided to permanently limit my account and i wasnt able to use their platform anymore and will held my balance for up to 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Recently it came to my attention that XXXX XXXX XXXX, XXXX dba XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

XXXX XXXX headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from XXXX of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint. 

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX 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 explanation
Consumer complaint received 2023-01-30
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: Public record information inaccurate

Complaint:
I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an bankruptcy under my public record that was not verified and not provided by the XXXX bankruptcy court directly. I reached out to the XXXX Bankruptcy Court Middle District of XXXX XXXX and confirmed verbally that to don't provide info to XXXX parties that are not included in the initial case. ( XXXX XXXX, Experian, XXXX XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the Bankruptcy from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Identification Number : XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the XXXX  day. When I didn't hear anything back, I sent XXXX Bankruptcy Court Middle District of XXXX XXXX a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from Experian ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.

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 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking on the Washington DC XXXX to find housing for the summer. I found this place that seemed decent and where I wanted to live. I proceeded to email and messaged the XXXX XXXX XXXX which may be a fake name and also the landlord XXXX XXXX which may be a fake name as well. I'm not sure if the lease agreement is even legitimate and I do understand now that I've made many mistakes here in this situation as a first timer. I've sent over the security deposit and first months ' worth of rent and that's a lot of money for me to lose. The persons email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-08-08
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 information incorrect

Complaint:
Last month I paid off multiple credit cards, a auto loan and paid down my student loan. This month ( XXXX ) im looking to get a new car and I cant because Experian as decided they wont update my report on time! XXXX  has updated my report and so did XXXX but for whatever reason Experian hasnt reported yet leave my score at a non ideal number at the time im looking to get a new car. I contacted them and they said they update the info as soon as the lender send info.. Well it was sent and it wasnt updated! The new statements are out!! every other bureau is reporting correct info! I demand my info to be updated now or i will contact my XXXX  lawyers!. 

I paid off my XXXX XXXX XXXX, I paid down my XXXX XXXX down to {$0.00} I Paid down my XXXX XXXX car down to {$11.00}

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 2017-09-20
Company: TCF FINANCIAL CORPORATION
State: IL
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:
In XX/XX/XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XX/XX/XXXX i  attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a XXXX report. I contacted XXXX and discovered it was from XXXX XXXX. I contacted XXXX XXXX   branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with XXXX. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XX/XX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on XXXX XXXX. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of 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 2023-01-29
Company: Experian Information Solutions Inc.
State: PA
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:
Paid 3 items and they are till on report. XXXX, XXXX and XXXX  XXXX XXXX XXXX just updated the account The other 2 are paid

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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

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 2018-08-28
Company: Experian Information Solutions Inc.
State: HI
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:
Experian has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX   This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX I did not authorize this. 
XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was opened in XX/XX/XXXX, I closed this account and returned the vehicle. Now they opened the account back up and its not supposed to be open and are trying to have me pay the full balance of the car which I dont have anymore, for the past 2 years it was closed but then it got reopened this year in XXXX. If they cant update that data on my report I want this account removed. From both my credit report and the joint account as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
his complaint is regarding Capital One, in my last CFPB complaint I indicated that the person who has my card stopped paying and is not in contact with me. I do not know the address of XXXX XXXX. I don't have any way to pay the bill and when I attempted to contact Capital One they did not provide me any options. I am not able to use the phone. When I attempted to access my online account for my screen XXXX could not reset the password because I don't have possession of the card. I indicated I do not have a phone. I am not able to pay for the bill. I have not personally received any bills. I am requesting options to defer payment and asking Capital One to please put a stop payment due to the circumstances however Capital One will not contact me via email or provide me options to accommodatemy circumstance. I need for Capital One to accomodate me via email and I need for them to allow me to reset the password for my online account and provide me options to defer payments, change the address but they have not accomodated. Please review the letter they provided me and I am requesting that they please defer payments and stop collection activity, to send to the correct address as well as to reset my password so I can login to my account. As stated I do not have a phone to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi, I opened the secured credit card from Wells Fargo in XX/XX/2014. I was told at that time that by creating the history with this secured credit card which was my first credit card I would build up my history and then after I could show how good lender I am I could release my secured credit card and upgrade it to a unsecured credit card which is a normal routing credit card. At that time, I have had no history and as a international student who knows just one bank, Wells Fargo, which is located at my university I heard what they told me and open the secured credit card in XX/XX/2014 with Wells Fargo. 

Now, after almost 4 years of having this secured credit card and pay more than {$100.00} of fees to obtain the card each year my credit card has not been upgraded yet. My credit score is excellent now, I have had no late payment and I always use less than 10-30 % of  my credit line. I have credit cards from XXXX and XXXX XXXX and have more than {$15000.00} of credit line in total. I receive offers from different credit cards each week as well. I called Wells Fargo many times and went to their different branches to request for upgrading but they just decline and the only reason they sometimes provide is that I am not Citizen neither Permanent resident in US which is not supposed to be a problem since I have Social Security card and I have different credit cards from different credit card issuer. I even asked to at least pay me back the entire fees that I have paid since XX/XX/2014 which is {$120.00} and wave the fees for the future to worth for me to obtain the credit card but they did not do that as well. 

I would appreciate it if you can follow up my issue to either upgrade my credit card to unsecured or pay me back the fees. 

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 explanation
Consumer complaint received 2019-10-30
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has been getting additional funds from me for the duration of this loan, since XX/XX/2015. Due to the fact they took my over payment which is supposed to go to principal and applied it to their legal fees without my knowledge, I asked Freedom Mortgage for a complete checks and balances statement showing where every penny I sent them since XX/XX/2015 has gone. I have not received it and I do not believe they have any intention of getting it 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 2017-09-20
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a total of 3 loans from XX/XX/XXXX to XX/XX/XXXX, With XXXX XXXX XXXX. In trying to collect, they harassed me at work, by phone, asking for unreasonable amounts of money I could not possibly pay, and were not willing to be reasonable to try to work out a settlement. In XX/XX/XXXX, they took me to court and I was sued for the full amount. They did not possess the original documents, but I wound up settling with them for a lesser amount to keep from paying the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-06-19
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/22 at XXXX, I received an email congratulating me on opening a new checking account with Truist Bank but I never opened a checking account with this bank. I called the bank but their customer service line is down until Monday on XX/XX/22, which is a holiday. I wanted to get a head start on this report before someone spends money in my name and I an held responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 {$500.00} dollars was sent from my Wellsfargo checking via XXXX to someone that I did not authorize. On XX/XX/23 {$1500.00} was wire transferred from my checking account to the same person. I called Wellsfargo on XX/XX/23 when I noticed the transaction but they just told me the fraud dept is looking into it. A few days later I got letters from Wellsfargo stating they can not do anything. I've lost {$2000.00} from a scammer.

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