BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made ( 2 ) separate purchases on this card. One was XX/XX/2022 for {$870.00} for a XXXX XXXX. The merchandise was delivered with extensive damage done to the box. I only discovered it about 10 days later when I moved the box and saw the damage. 
On approximately XX/XX/XXXX XXXX I notified the company that the items was delivered with extensive damage to the box it came in. I wanted to return it. First they said it would charge me $ XXXX then they apologized and said they would take it back for free. 
I filed a dispute with my credit card company- Wells Fargo . I have called them twice ( once per chat box ), and have emailed them pictures, etc. Today it is XX/XX/XXXX, XXXX I still have NO provisional credit for the charge- and I'm being charged interest on the entire balance including the disputed amount! I do not feel that is fair. I don't know if that's even legal but they're doing it. The other charge was for {$50.00} for a subscription that renewed automatically. I contacted the merchant to cancel my order- in fact I have sent 2 emails and they don't even respond. I also disputed that with Wells Fargo- and have NO provisional credit and am also being charged for the FULL finance charges.

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 2019-12-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have been loyal customers of XXXX for more than 10 years. On XX/XX/2019 we switched to another company. When we received the last bill by XXXX we were surprised to see that instead of issuing a prorated bill for the 6 days we used their services ( from XX/XX/XXXX to XX/XX/2019 ) they charged us for the whole 30 day period! 

We called multiple times the customer service center of XXXX and they insisted on that. We requested that they present us with the contract we signed more than 10 years ago and they referred us to their website, which for old customers initiated service more than 10 years ago the contract DOES NOT state that prorate is not the case for cases like ours. 

As a final action, we wrote to the Customer Relations of XXXX, but instead of replying to us with specific arguments and facts they decided to send the claim to a collection company! 

After that we would like to let you know that we dispute this debt and we are willing to pay the fair amount for the service we had. Thus, to pay, for the 6 days of service per {$3.00} per day, the amount of {$20.00} plus taxes and fess of {$10.00}.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: CA
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:
Several months ago reviewed my credit report and found unauthorized inquiries.I have already contacted the creditors and they have not provided me with any proof that I initiated such inquiries nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I asked EXPERIAN to delete these unauthorized inquiries from my credit report immediately or provide evidence of any authorization. They ignored all my requests. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is against Elan Financial services the issuer of my card. I was a credit card customer with them for over 8 years. I paid my bills and suddenly about 6 months ago they reduced my credit then today I found out today the company completely closed my account. The poor excuse they gave was I was making too low of a monthly payment. Mind you this also reduced my credit score by almost 40 points. I regret ever getting involved with this company.

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 2019-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I HAD APPLIED FOR A BOFA CREDIT CARD IN XX/XX/XXXX BUT NEVER RECEIVED AN APPROVAL EMAIL SO I ASSUMED CARD WAS NOT APPROVED. IN XXXX I THOUGHT OF RE-APPLYING AND CONTACTED BOFA CUSTOMER SUPPORT INORDER TO KNOW MORE ABOUT THE CARD BENEFIT I WAS APPLYING. TO MY SURPRISE, THE CUSTOMER SUPPORT REPRESENTATIVE TOLD ME THERE IS A CARD ISSUED ON MY NAME IN XXXX AND I TOLD HER THAT I NEVER RECEIVED ANY CARD. SHE SAID NOT A PROBLEM AND CAN SEND ME A NEW CARD AND THAT I WOULD GET THE BENEFITS THAT I WAS SUPPOSED TO ONCE I ACTIVATE THE CARD THAT SHE WAS GOING TO SEND. I CONFIRMED MULTIPLE TIMES AND SHE WAS SURE THAT MY BENEFITS ( {$200.00} WELCOME BONUS ) WILL BE COUNTED STARTING XX/XX/XXXX AND ALSO I WILL GET 12 MONTHS 0 % APR. AFTER I SPENT MORE THAN {$500.00} I CONTACTED THE CUSTOMER SUPPORT ONCE AGAIN TO ASK THEM WHY I DID NOT GET {$200.00} BONUS AS I MET THE WELCOME BONUS CRITERIA AND THE REPRESENTATIVE TOLD ME THAT I WONT GET THE OFFER SINCE THE CARD WAS ISSUED ONE YEAR BACK. I TOLD THE REPRESENTATIVE ABOUT THE GIRL WHOM I SPOKE TO EARLIER IN XX/XX/XXXX AND SHE CONFIRMED ABOUT THE OFFER. HE SAID HE WILL INITIATE A REQUEST AND THE CONCERNED TEAM WILL GET BACK TO ME. CASE WAS RAISED ON XXXX XX/XX/XXXX. NO ONE BOTHERED TO CONTACT ME AND AFTER WAITING FOR TWO WEEKS I CALLE BACK AND THE OTHER REPRESENTATIVE TOLD ME THE CASE IS CLOSED AND HE WILL OPEN A NEW CASE AGAIN. I ALSO SPOKE TO A SENIOR MANAGER ( A LADY ) AND TOLD HER THE ENTIRE STORY AND SHE WAS SO RUDE TO ME. I ASKED HER WHY WAS THIS FALSE INFO GIVEN TO ME AND HER ANSWER SHOCKED ME. SHE SAID, 'INORDER TO SELL THE CARDS OUR REPRESENTATIVES LIE ' AND HUNG UP ON ME. I WAITED AGAIN FOR 10-15 DAYS AND CONTACTED THE CUSTOMER SUPPORT AGAIN. THIS TIME A  LADY SPOKE AGAIN AND SHE PROMISED ME THAT SHE WILL WRITE AN EMAIL ABOUT THIS INCIDENCE TO HER MANAGER AND HER MANAGER WILL GET BACK TO ME AFTER ONE BILLING CYCLE. I ALSO TOLD HER PLEASE  ASK YOUR MANAGER TO HEAR THE FIRST CALL I MADE IN XX/XX/XXXX TO ENQUIRE ABOUT THE NEW CREDIT CARD AND HOW THINGS WERE PROMISED TO ME.BUT AGAIN, NO ONE BOTHERED TO GET BACK. 
THEY ALSO STARTED CHARGING ME INTEREST WHEN THEY SAID 12 MONTHS 0 % APR. AGAIN I CONTACTED THE CUSTOMER SUPPORT AND THEY TOLD ME THAT IT HAS BEEN ONE YEAR AND SO THERE IS NO MORE 0 % APR BENEFITS. THE JOURNEY WITH BOFA HAS BEEN REALLY FRUSTRATING, STRESSFUL. I HAVE BEEN ON CALLS WITH THEM FOR ALMOST 10-15 HOURS INCLUDING ALL THE CALLS, SPOKE TO MULTIPLE REPRESENTATIVES, MANAGERS BUT NO ONE BOTHERED TO GET BACK TO ME. I HOPE TO GET WHAT I WAS PROMISED AND WANT THIS TO BE PUBLISHED SO THAT BOFA DOES NOT FOOL ANYONE IN FUTURE.

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 2017-04-25
Company: RFNA, LP
State: NC
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:
This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: CA
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:
I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
CAP ONE NA Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? 
EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX TransUnion received my dispute letter for the accounts XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts do not belong to me and I asked them to verify these accounts. 

The response I received ( file no. XXXX ) simply stated the accounts were verified but TransUnion did not provide any evidence that these accounts actually belong to me nor did they provide any evidence that an actual investigation took place. In turn, I sent a letter asking TransUnion to verify their methods of investigation used to verify these accounts. ( which they received on XX/XX/XXXX via certified mail. ) It is my understating, according to the Fair Credit Reporting Act, that TransUnion should have sent a response to my method of verification letter within 15 days. However, they sent me a response more than 26 days later. 

Moreover, their 2nd letter still provides absolutely no evidence that the accounts belong to me or that there was an actual investigation. Overall, TransUnions response to my dispute has been both untimely and inadequate. Due to the fact that these accounts never belonged to me and there is no evidence that they belong to me I want TransUnion to delete them from my file. 

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 2022-10-03
Company: EQUIFAX, INC.
State: CA
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: KEYCORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with TransUnion. Please see attached certified mail and receipts. According the FCRA, TransUnion violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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 2020-03-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX via XXXX XXXX  who sold my Loan to XXXX XXXX in XXXX. 
Since my loan was taken over by New Rez I now receive 2 Different Statements, one from XXXX XXXX and one from Loan Care who supposedly is the Loan Servicer. When I call for the statement to XXXX XXXX who is supposedly the owner of my loan I am not even in their system, they refer me to XXXX XXXX. This whole situation has become confusing. 
I am a XXXX senior and at times have issues with my loan due to delayed social security check issues. When I call in for help, they refer me to my Bank. But it is not a Bank Problem. 
This combination XXXX XXXX / Loan Care has turned into a discombobulated mess, with no one to ask for help. You being passed around like a dog with no home.

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 2017-04-25
Company: KEYCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The late payments reported  by Key Bank to the credit bureau stemmed from a transfer request. Requests for transfers from our Key Bank checking account were previously made with success, however, as we were advised later, the women taking the request did not hit the submit button. The payment was accordin gly never transferred from our checking account into the line of credit account. On or about  XXXX , my complaints were escalated to collections and  then to Loan Modifica tions and spoke with  XXXX .  XXXX  explained  a 90 program wherein I would mak  e three m onthly payments on or before the  XXXX  of each month until caught up. I stated I would accept on the condition that complying with his payment schedule would not resul t in Keys consi  deri ng them as late payments. He stated they would not effect my credit. Due to his Spanish accent, I confirmed again that there would be no late payment reporting if I complied with his schedule. Again he stated, They would not. I confirmed my address with him and we ended conversation.     After the first payment was made, I had not received the written confirmation or the rules that I was expecting. When I contacted Key via email and over the phone, it became evident that they would not confirm the agreement in writing. Accordingly, I paid the second payment on time along with the third and last payment in advance. Numerous inquiries were made however I was constantly being put on hold ( for up to  23 minutes ), referred to other dep artments, disconnected while being on hold and avoiding any discussion of accountability on their part. On  XXXX  and finally on  XXXX , Supervisor  XXXX   ( Code   XXXX ,  XXXX , Oh io ) st ated that  XXXX  was the early stage contact for loan modification. When reading my notes of the agreement and quoting  XXXX , she simply concluded that he was in Keys  XXXX  office and that they did not accept outside correspondence.     As a self-employed individual trying to protect my credit, if this were litigated against  Key for the time expended on this, the visit to the Branch regar ding the failed transfer and the ensuing drag-it-out and run-em-down process, it would cost them more than the loan amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: CA
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:
I have debts on my credit report from chase,   XXXX   XXXX  , home furnishings,  XXXX  and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: AMERICAN PORTIFOLIO MORTGAGE
State: CT
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:
XXXX has received numerous letters from creditors XXXX XXXX and XXXX XXXX XXXX XXXX stating that the negative information on my credit report was false. In addition to this, I also have email correspondence from the creditors and XXXX has still not removed the negative information. I am a XXXX XXXX XXXX XXXX veteran in a wheel chair that will not be able to buy a house as a result of this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file 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 XXXXXX/XX/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