BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone opened XXXX fraudulent Capital One credit card accounts in my name. XXXX with Capital One Bank USA opened in and CAP ONE NA. They approved these fraudulent accounts. Once I noticed that this was n't my account I tried to dispute and they would not hear of it. They in fact filed a judgement against me for {$1600.00}. I told them that this was not my account and I refused to pay. After numerous attempts to have these items removed, they told me if I paid the judgement they would remove both items AND the judgement within 7 days. These items were preventing me from obtaining credit to assist my family. They took my money and lied to me. They never fully removed the judgment and did not remove these XXXX items. I feel violated and taken advantage of as an XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late payment fee of {$30.00} by Macys ( Department Stores National Bank ) for an overdue payment. This was something that I was responsible for. 

I paid the balance due in full one day late, and Macys was kind enough to reverse the charge. Over the phone I was assured that there would be no balance due and no additional charges on the account. 

After calling to check on the balance ~one week later, I learned that the reversal was not for the full amount, but rather {$28.00} dollars. Seeing as I was partially at fault, I gladly paid the {$2.00} hoping that the issue was resolved. 

The next month I received a bill with an additonal {$2.00} fee to my surprise. This was later explained to me as interest. 

The problems with this as I see them are : - I was told that after the payment and reversal there would be no further charges - I have dealt with this issue now multiple times -- 3+ phone calls - Unanticapated charges are being made against the account that seem predatory in nature

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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and 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 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Aqua Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018, I acquired through a company called Aqua Finance , Inc 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -TRANSUNION 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 2016-02-16
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
We experienced a fraudulent transaction on our business account in XXXX XXXX. This transaction was initiated by a former employee who was not authorized to make such a transaction. 

After reporting it, this transaction was reversed but due to the failure of Wells Fargo business banking specialist, XXXX XXXX, to remove this individual 's access to the account, the identical transaction was processed in early XXXX XXXX. After reporting it once again, this time Wells Fargo did not address the issue. 

Instead, I was locked out of our account and not granted access despite providing the documentations proving that I was the only authorized individual to access this account. Despite repeated requests, I was unable to access our accounts until I escalated this matter to the regional supervisor, XXXX. 

After investigating, XXXX eventually reversed the second charge as well. This took place in XXXX XXXX, five months after the fraudulent transaction was reported. 

As soon as I regained access to our accounts, I made the outstanding payments on our credit cards. I then became aware, however, that our credit cards were closed to delinquency and all of our points have been forfeited. 

I was only unable to make these payments because Wells Fargo had revoked my access to the accounts. I made the payments as soon as I regained access and I was assured by XXXX XXXX that our accounts would not be closed until we had the opportunity to redeem these points. 

As such, I am disputing the balances on these credit cards until our points are reinstated and we have been able to redeem them. This was entirely the result of XXXX XXXX 's incompetence and subsequent delays instead of just quickly remedying his mistake.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 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 2015-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit on my Dillard 's credit card in the amount of {$93.00} that I was overpaid my on my credit card in cash. Dillard 's insisted that they have mail me a refund check for that amount in XXXX, 2016. Until XXXX XXXX, 2016, I initiated the contact about my refund, the employee stated that the check is already mailed out to me. I told them that I have never received the refund check. I called back on XXXX XXXX, 2016 on the same issue of my refund check, I was told that Dillard 's will mail me an affidavit form that I need to fill out in order for them to mail out the refund check again ( no one told me that the refund check that Dillard 's sent out was cashed ). I have waited until today, XXXX XXXX, 2016, to call Dillard 's back about the affidavit form that they said they will send out, this time the employee stated that the refund check has been cashed (? ). I told them that I never have received nor cashed that refund check. I have been told many different stories every time I contacted them about my refund check. This time, Dillard 's told me that since the check has been cashed, there is nothing they can do for me. Really? 
I want to know what is my right to demand that my refund be sent to me or at least get a copy of the check that has been cashed so I can find out who cashed that check. What can you do to help me? 
It 's not that refund going to help or break myself financially, but I want a better service from a credit card company than Dillard 's in this case. Thank 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 explanation
Consumer complaint received 2020-03-06
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I received a letter from Rent Recovery Solutions LLC in XXXX, Georgia that I owed a balance of {$4300.00} and that I had 30 days to dispute the validity of the debt or it would be assumed to be valid. I disputed this within 30 days. On XX/XX/XXXX I received a follow up letter that stated the company completed a reinvestigation and determined their information was correct. On XX/XX/XXXX, 6 days prior to the date of the letter from Rent Recovery Solutions LLC, I received an email from the original creditor showing the amount owed as {$3200.00}. On XX/XX/XXXX I sent Rent Recovery Solutions LLC a letter asking them to send me a copy of the last statement I received from the original creditor, their authority to collect in the state of Alabama, and an agreement that shows a business relationship between myself and Rent Recovery Solutions LLC. On XX/XX/XXXX I received an email that Rent Recovery Solutions LLC placed the account on my credit report. I sent a dispute letter to XXXX about the validity of the debt and within 30 days I received my credit report showing the debt was verified. On XX/XX/XXXX I sent a letter to Rent Recovery Solutions LLC,  yet again, stating the amount they were attempting to collect was incorrect and I felt they did not have a business relationship with the original creditor because each follow up letter they sent to me was a generic letter stating they verified the debt and the same statement from XX/XX/XXXX. I also explained in the letter dated XX/XX/XXXX that should the company not complete due diligence, I would have to file a complaint with the local state of Georgia and the CFPB. On XX/XX/XXXX I received the same generic letter from Rent Recovery Solutions LLC and on XX/XX/XXXX the company submitted an update to XXXX that the balance was still unpaid for a total amount of {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: AK
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  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX 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 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 2022-08-04
Company: Bepensa Capital, Inc.
State: IN
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:
the previously complaint that was submitted on XX/XX/28 addressed a new issue after the arbtration was over. This is a new matter and I demand the accounting on this account to prove that I was late. This was reported on XX/XX/28 on my consumer report which allows me under 15 USA 1666 correction of billing wear as a consumer to request the account ledgers to investigate my account.

If you fail to do so I can refile a new case under this statue since this matter has happened after the fact.

Please provide me the accounting ledgers as I have reasons to believe and do so believe that there is a NEW billing error I will not hesitate to reach out to the Attorney General and the IRS to audit this account or whoever to get this matter resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: WELLS FARGO & COMPANY
State: AK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX and Wells Fargo repeatedly attempted to charge late fees and service fees. The loan was supposed to be XXXX percent interest over two years. The account was setup to pay the monthly payment on auto-pay, which worked for a time and then stopped working even though funds were available. They attempted to charge my account the full amount due along with late fees. All late fees were reversed, but this happened multiple times after I was assured it was fixed. Now the account is closed and I am no longer allowed to schedule repeating payments. I have paid the off the balance of the account and no longer owe them but feel that the entire scheme was designed to steal extra money and they should be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06
Company: REGIONS FINANCIAL CORPORATION
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:
XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX were reporting late and they told me that they would fix the mistakes and then they have not they have the wrong address after i have told them i have not receive any statement and i call on XX/XX/XXXX about this issue and told my payment wasn't due until XX/XX/XXXX very upset about this out come and need my credit back to no lates look at the records and calls regions credit card

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 2016-12-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2013 I sent {$1000.00} additional mortgage payment to Wells Fargo to be applied to the principal of my loan. Wells Fargo received my {$1000.00} and my regular scheduled payment for the month and split it into smaller payments and deducted interest from the money in question. I have on occasion attempted to get them to correct this and have been given a bunch of smoke and screens. I even went into a local branch trying to get this issue resolved. Recently I received a letter stating they were " researching it ''. I went online attempting to find an address for the person who signed the letter and found instead that others had posted the exact same letter that I have, signed by the exact same person and complaining that XXXX XXXX does n't exist as far as it relates to getting their issue with Wells Fargo resolved. It was that website that directed my to you. PLEASE. HEEELPPP!!!

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 2016-06-12
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. 
PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. 
Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX

Company response to consumer: Closed with explanation