BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through FB XX/XX/22 for 1 bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.

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 2022-06-21
Company: Experian Information Solutions 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:
I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( XXXX XXXX FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Yes my name is XXXX XXXX and Transunion are reporting accounts as delinquent on my credit report. I spoke to all the creditors and ask them is they reporting that and they said no they see that I have on time payment these creditors are XXXX. Applied bank Showing XXXX missed payment when I paid XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing XXXX missed payment that showing delinquent payment when I paid Ontime All XXXX asking Transunion to do is remove those late payment from these accounts because it inaccurate I never been late on my payments there are a dispute already in place but I need this to be expedited because this is hurting my score I already spoke to the creditors and they advise me that Transunion is reporting my account inaccurate and it need to be fix or I will get in contact with my attorney general please remove those late payment that showing for applied bank And XXXXXXXX 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 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 

XXXX and XXXX had deleted my bankruptcy but XXXX and Experian are not complying to the law.

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 2022-06-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/18, someone hacked my account and took all my money. They also messed with the secure messages and framed me into being scammed. Chase also thought I got scammed when I clearly don't talk to anyone or give out my info. I only focus on working out and college so I have no time. I don't own XXXX XXXX  or know what XXXX is. None of this makes sense. I have lost trust in Chase and don't know if I want this bank in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: Selene Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested that escrow not be held on my loan. I filed the request on XX/XX/XXXX and have yet to receive an answer. I have called at least 4 times without success. I have been told today that my request was denied on XX/XX/XXXX, but I haven't been notified. 

I was also told today that I must meet the following requirements for escrow to be waived : - LTV of 80 % ( I originally put 30 % down ) - no delinquencies on my account ( the customer service rep I spoke with confirmed that there were none ) - no loan modifications ( there have been none ) - no previous defaults of escrow accounts ( there have been none ) In spite of trying to clarify these points, my customer service rep was told by her supervisor to stop helping me as this request was denied. As I have no notification of that, I have requested the denial in writing. I was told that I need to file a complaint that I hadn't received an answer to receive an answer. This seems very unethical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The company, Citibank, has already reimbursed the money I felt owed. The purpose of this complaint is to report a practice that should be illegal. 

I have had a Citibank Double Cash card for many years. I am supposed to receive 2 % cash back on purchases. A few months ago, my cash rewards began to appear as " Thank You Points. '' I called Citibank to ask for an explanation. They explained that each point is worth XXXX cent. On several occasions, I have redeemed some of my points toward a statement credit, and they have indeed counted each point as XXXX cent. 

Today, I purchased a {$60.00} gift card on XXXX. I noticed that there was an option to use Citibank Thank You Points. I entered {$60.00} and made the purchase. I soon got an email confirmation from Citibank saying that I had used XXXX Thank You Points. This is equivalent to {$75.00} -- a 25 % markup from the {$60.00} I thought I was paying. 

The fact that Citibank charges a 25 % fee to use Thank You Points is not explained anywhere on their website. ( I could have simply paid with my Double Cash Card and then redeemed the points for a statement credit with no 25 % additional charge. ) I called Citibank and asked where the 25 % additional charge appears on their website. The agent put me on hold for a long time and came back and explained that this information is NOT on their website. She said it was in the terms and conditions I received when I received my Double Cash card. However, I received my Double Cash card many years ago when there were no Thank You Points. 

This seems to me to be an unethical trick that ought to be illegal. It should have been clearly explained that using Thank You Points for purchases incurs a 25 % fee. Surely no one would use Thank You points for purchases if they knew about the additional 25 % charge, since they could simply redeem their points for a statement credit.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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:
Acceptance Rentals, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  violated my 609 rights byreporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 and XXXX  XXXX XXXX  XXXX to Equifax that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate ninformation on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I Consumer Wright entered into a consumer credit transaction with XXXX of XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX of XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX of XXXX XXXX made me purchase insurance separately. 

It is Fact that pursuant to 12 CFR 1026.23 ( b ) ( 1 ) In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumers principal dwelling.

( ii ) The consumers right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designing the address of the creditors place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the recission period expires. 

TAKE NOTE : I never received a delivery in the mailing or electric form with my consent informing me of my right of rescission pursuant to 12 CFR 1026.23 ( b ) ( 1 ). If so, can you tell me when you faxed it? Or if you mailed it, can you tell me the tracking number to the package please? If not, that is a clear exhibit that my consumer rights have been violated, and Ive been damaged. Pursuant to 12 CFR 1026.23 ( a ) ( 3 ) If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumers interest in the property, or upon sale of the property, whichever occurs first.

Fact, according to 15 USC 1602 ( I ) in relations to a Credit Sale, The adjective consumer characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person ( myself ), and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

It is a Fact, that I am the consumer and have now given your company a Notice of the Right to Rescind and under 12 CFR 1026.23 ( d ) ( 2 ) it states that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
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 called Pentagon in XXXX and XXXX. I put a fraud alert on all my accounts and changed all passwords because someone tried to open accounts in my name. No ID or anything was summitted on my behalf to open an account. I personally called to close the account when i got mail sent to my house about this Bank. I tried disputing through XXXX but its still coming back as verified and I did not submit any applications

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 2022-06-21
Company: Experian Information Solutions Inc.
State: CT
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:
A review of XXXX XXXX Experian reporting of Account shows copious payments made on time not being reported. Borrower has made several requests for XXXX to correct CRAs reporting in XXXX. 

XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

XX/XX/XXXX was wrongfully interfered with by XXXX on multiple occasions by order of a XXXX employee. 

In XX/XX/XXXX no payment was made. 

In XX/XX/XXXX no payment was made. Request for loan modification made. XXXX wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. XXXX wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Loan modification granted. Began pre-loan modification agreement. 

In XX/XX/XXXX, Borrower made the first payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the second payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the third payment on time, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the fourth payment on time, in agreement with the loan modification agreement. XXXX sent Borrower loan modification agreement without the agreed-upon deferred principal balance. 

In XX/XX/XXXX, Borrower made the fifth payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX through XX/XX/XXXX payments to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from XXXX. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. XXXX attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. XXXX sent Borrower the correct loan modification agreement. 

In XX/XX/XXXX, Borrower made the payment on XX/XX/XXXX. XXXX CRA reporting shows No Data Reported.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have 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 an 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