BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed XXXX and it was XXXX as of XX/XX/XXXX. It has been little over 8 years since and putting my life back on track credit plays a high roll. As of XX/XX/XXXX. My XXXX still sits on my credit report. As I am working diligently to stabilize my future as a single mom rebuilding my credit has been an essential part of our lives.

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 2023-04-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information regarding this matter be provided. 

The fraudulent accounts are as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Last year I started an account with XXXX  for virtual currency transactions and trading After a short while a company approached me online claiming to be a bitcoin day trading platform with XXXX, that could guide me into bitcoin day trading, to gain profits as the markets allows us to do so. 
Their platform checked out and it looked like a legit business to start trading virtual currency XXXX was the website for their trading platform. 
I trusted them cause they got my information from XXXX and theyre a serious well respected platform, but it turned out to be a state of the art scam and I lost a lot of my money, I need help to recovered those funds.

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 2022-07-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Today- XX/XX/2022, I called multiple times to get the status of a XXXX XXXX XXXX XXXX XXXX XXXX AND their store card applications I submitted over XXXX weeks ago.I was hung up on twice ; and when I asked to speak to a supervisor for the credit card application I was put on hold for 15 more minutes before being transferred to the automated system. The credit card agent could not find my application and said, because I cant find you in my system, you have been denied. The second agent ( for the store card ) said I would not be in their system until I am approved or denied. - Please note, again, that it has been over two weeks since I applied. - The XXXX XXXX XXXX XXXX website said to call to check the status of a credit or store card application. Federal law mandates if I am denied, then Comenity Bank/Bread XXXX XXXX issuers of these cards ) HAS TO GIVE ME A REASON FOR THE DENIAL. However HOW CAN YOU SAY I AM DENIED WHEN YOU CANT EVEN PULL UP MY APPLICATION? 

Very shady. You probably wont be able to even SEND me a denial letter since you cant pull me up in the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Southwest Recovery Services, Inc.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I talked with a guy from XXXX today stated name was XXXX XXXX owner of company. We came to an agreement on a settlement but first I want a letter stating it was settled in full, and wanted to know how my credit would be updated he got really angry stating it would show settled on credit would not be removed and the I state well can't i just depute once paid and he state no I need to stop deputing and he would not take a settlement unless I stopped or did not depute and the stated I am the owner and since your going to depute I only want a payment in full now and no one in the office is allow to talk to or take payment on account if they don't tranfer him the call they would be fire stating his employees.

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 2016-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am filing a complaint towards the Capital One Bank due to their scams. I have been with capital one for a few years now where there has been a few situations I had to block or cancel my debit card because fraudulent transactions in the past but that is not the reason why I am filing this complaint on them. I am having a major issue with Captial one regarding two payments that were recently made to XXXX and were processed successfully during the time of payment but ended up being drawn back from my bank a week after the time of payment with a denial from XXXX that caused XXXX charge a past due balance for my upcoming bill twice in a row ... .capital one bank withheld the payment on their end. i had filed a complaint via phone to both parties. Capital one bank continuously blamed XXXX for their " error '' with charging double for two payments that were made but were n't processed. I did n't know what else to do, so I just reported XXXX to the XXXX to get to the bottom of this. Finally, I received a phone call from the CEO of XXXX where they were able to tell me that the scandal is coming from my bank after all. I demand Capital one bank to pay for my upcoming balance of {$700.00} to XXXX. I will no longer be a client to such an irresponsible and unsafe bank such as capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: CA
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 have new evidence experian is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to the credit bureau 's ( XXXX, TransUnion, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not 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 2020-07-12
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/XXXX, I obtained a 36 month lease on a vehicle. 

From XX/XX/XXXX through XX/XX/XXXX, that vehicle was being repaired by the dealer due to repeated mechanical problems. 

According to the customer service department if the financing company, because I was not provided a loaner vehicle by the dealer, I would not be responsible for lease payments until the repairs were complete. 

When the vehicle was picked up on XX/XX/XXXX, the odometer read 15,000 miles, rather than the sub-500 miles it read when it had when it was dropped off. After a threat of a lawsuit, the dealer agreed to cancel the lease. 

On XX/XX/XXXX, I received a letter from the financing agency reflecting the cancellation of the remaining balance. 

On or about XX/XX/XXXX, my credit reports with all three major credit bureaus were updated to reflect delinquent payments for XX/XX/XXXX through XX/XX/XXXX. I sent in a copy of the cancellation letter and an explanation of the repairs, and the delinquencies were adjusted to XX/XX/XXXX through XX/XX/XXXX, with the status being changed to 'repossession ', and an open balance of {$13000.00}. 

On XX/XX/XXXX, my credit reports with all three major credit bureaus were updated once again to reflect this account as having a " most recently paid '' date of " XX/XX/XXXX '' with a payment amount of XXXX  dollars, an account balance of {$26000.00} and an account status of " Charged off as bad debt ''. 

I have disputed the facts of this debt with all three credit bureaus, but they all claim it " meets FCRA requirements ''. I have also sent multiple requests for debt validation via certified mail ( the most recent was received on XX/XX/XXXX ), but the financing company has refused to comply with my request, and is continuing to report my information to the three major credit bureaus ( the most recent credit report was submitted XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Security questions for Equifax all had to do with accounts opened within the past few years -- I have n't opened any accounts, which makes me worried that someone 's using my identity. But because I ca n't answer the questions I ca n't access the report online!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I typically have no problem with credit cards because 1 ) I am a high income individual 2 ) with a relatively high credit score and 3 ) almost no debt since I have a paid for house with no mortgage or rent expense. I have an extremely low available credit on my Wells Fargo Visa card. My credit limit is only {$4000.00}. I have contacted the bank on multiple occasions in an attempt to raise the available credit on this card. However, I believe that I am a victim of XXXX discrimination. As a person of middle eastern descent I am offended at the corrupt business practices of Wells Fargo. The bank consistently engages in unethical disclosures that are misleading. When I provided my income information to the bank I was immediately offered a {$1000.00} increase in my available credit. However, I refused this offer. This was significantly less than my requested increase in the credit limit. I was told that my information would be sent to another department to review my request in order to secure a more significant increase in the available credit. I was told to call back in 2 hours. Unfortunately, when I called back in 2 hours I learned that the bank ignored my request to have a significant increase in the credit limit. Wells Fargo ignored my request and simply increased the available credit by an unacceptable {$1000.00}. I am constantly asked to navigate the banks inefficient and unproductive voice mail mazes only to be disappointed with term conversations with incompetent customer service agents. The last customer service agent told me that he was " making a note that I requested someone from Wells Fargo call me ''. When I asked when a Wells Fargo representative would contact me, he confessed that no one would actually call. He confessed that he was merely " making a note '' in my account. The Wells Fargo representative eventually agreed that this comment was misleading. It seems reasonable that his comment indicated someone would contact me. I am extremely upset that Wells Fargo does not value high income individuals that don't happen to be traditional rich white men. I am tired of the constant scandals and lies from Wells Fargo. I expect to be treated better. The bank needs to contact me to discuss my request to have my credit limit increased. Wells Fargo seems to hate talking to customers who aren't traditional rich white men.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX/ Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX USDOE/XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX* U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account didnt give me a reason. But kept my bills money I live paycheck to paycheck due to the pandemic money is tight All my bills scheduled at the bank were returned unpaid even utility bill ( even though I have money ) I have incurred so much non pay fees its crazy Account was closed XX/XX/XXXX when I called I was told they will send a check by XX/XX/XXXX On XXXX they said XX/XX/XXXX now they XX/XX/XXXX I have been charged nearly total of {$700.00} due to this delay from utility to mortgage to credit cards

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 2022-04-22
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022 in the late evening I tried to get groceries at the store and my card was declined. I called and they said my card was locked I needed to unlock it and they told me that they were not able to unlock my card or give me a reason why it was locked. And proceeded to tell me that I was not able to have access to any of my money. I called back XX/XX/2022 early morning and the customer service rep told me that I was not able to speak with anybody that would be able to tell me why my card was locked while I was not able to access my account then I would have to email and wait for a reply. And until further notice I was not allowed to have access to any of my money. I have auto pay set up for a credit card to increase my credit score and it is being declined I have no money to take care of my daughter and at this point I've been receiving emails from credit karma saying that they are not able to tell me why I can't have access to my money or why my account is locked. This is highly illegal and I'm very interested in searching for an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home by hiring an attorney who faxed my fully executed and complete financial package to Wells Fargo Home Mortgage on XXXX XXXX, 2015. My attorney confirmed Wells Fargo Home Mortgage received my application on XXXX XXXX, 2015. 

On XXXX XXXX, 2015 Wells Fargo Home Mortgage via XXXX XXXX XXXX filed and recorded a Notice of Sale on my property. The sale date was originally XXXX XXXX, 2015 and was extended to XXXX XXXX, 2015. 

On XXXX XXXX, 2015 my attorney confirmed Wells Fargo had denied me for a loan modification. My attorney has requested a copy of the denial letter and NPV chart as we believe an error was made in the review. As soon as we have a copy of the NPV chart my attorney will appeal the denial. However as of today Wells Fargo Home Mortgage states my home is still set to foreclose on XXXX XXXX, 2015. 

See Attorney 's note:XX/XX/2015 XXXX ( PST ) XXXX XXXX & XXXX XXXX Spoke to XXXX. XXXX said sale date is still set for XXXX/XXXX/15. He transferred me to foreclosure dept. XXXX XXXX she said sale date is still set XXXX/XXXX/15. She asked if we sent in appeal. I told her we have n't received denial letter or NPV so how can we send an appeal. She transfered me back to Loss Mitigation XXXX XXXX said we are under protective status and he agreed that sale date should be pushed out at least until XXXX/XXXX/15. He put me on hold to try to get a hold of the foreclosure dept and we got disconnect. 

Tomorrow will be XXXX business hours before my foreclosure date. Per CFPB Regulation x ( 1024.41 ) I am allowed 30 days from the date of the denial to appeal my review. XXXX XXXX, 2015 falls before my timeline to appeal. Per my attorney Wells Fargo is not supposed to move forward with the foreclosure sale date until # 1 ) I have advised WFHM that I am not going to appeal or # 2 ) I have appealed and my appeal has been denied. 

If you look at the attorney notes ( above ), even Wells Fargo staff itself states by law I have until XXXX/XXXX/2015 to appeal and no foreclosure should be scheduled at this time. 

I am demanding Wells Fargo confirm the sale date has been post phoned. I plan on appealing my denial. This is in violation of Regulation x.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation