BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an unsolicited debit card from XXXX XXXX for my brother who is in a XXXX care facilty. It is a Visa card from XXXX XXXX. 

I did not request it. I will allegedly be charged {$2.00} per month for inactivity. 
There customer service number does not connect me to an operator despite a long wait on hold. 

I believe this to be a violation of 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 2017-10-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/XXXX/XXXX at XXXX XXXX I was finally able to make a payment to The XXXX XXXX XXXX. I had tried throughout the day and the site was having issues. They posted the payment on XXXX/XXXX/XXXX. On, XXXX/XXXX/XXXX, after receiving my current bill I wrote, since I was charged a {$27.00} late fee and asked to have the late fee reversed since there was an issue with their site. On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating there were some updates made to their online account and one of the updates was if I needed the payment to post to my account on the same day and it is after XXXX XXXX I could call and they would process the payment for me. But, since my account was closed in XXXX XXXX, they are not able to credit any late fees at this time. I asked why I did NOT receive any information about this according to my credit card contract and wrote back and stated since I had NOT received this update, please credit the account and I was asked to call by a XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called and spoke with " XXXX '' who told me I could NOT have the late fee credited because my account was closed. I explained to her that I NEVER received anything with regard to making the payment over the phone to be credited the same day when it was after XXXX XXXX She proceeded to tell me XXXX XXXX  provided WRONG information a few times and apologized for the bad information I was given ands she would make a notation that I was given bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  XXXX  Equifax All show this info that was no fault of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one switched our account on Thursday XX/XX/XXXX with limited notice I received the letter in the mail the night of the XXXX and my direct deposit is scheduled for XX/XX/XXXX due to this change in account type ( same account number but different routing number ) by capital one my direct deposit is in limbo ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I made a mobile deposit for a check for {$900.00}, I didn't notice it was XXXX and beyond the cutoff. I called custo.er service to cancel, so I can cash the check the next day, as I need the money and Monday is memorial day. They said it will be available by Tuesday. They say they can not cancel it. Then, I notice, I haven't put mobile deposit at the back of the check, so I cash it the next day since they will not honor it. I cash it and got the cash. Tuesday came and I verify, there was no credit so I assumed they did not process. I was also expecting {$1000.00} from a friend that she will send through XXXX. Then I didn't know that by wednsday they credited it back, I thought that was the money I was expecting. In short, I overdrafted because they reverse it the following day. I will pay back the XXXX but they should not bill me with so much overdraft fee. They pulled out past transactions that were already booked but qualifies as an overdraft and charge me with the fees. Those are 3 days ago transaction and should be good. This practice of Wells Fargo is not right. You can not pull booked transactions and charge it overdraft fee, because that transaction was legit and has funds. Imagine the millions of customers being charged by this operandi of Wells Fargo. Please make a through investigation on this scam. This is not a proper accounting.

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 2022-01-12
Company: EQUIFAX, INC.
State: VA
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient XXXX, XXXX symbol XXXX, is the worst company ever. They make it a business to rip off their customers. First, I am a on time payment customer. Just this month I receive a bill telling me that my loans are in deferment. This is obviously not the case as I have been making full principal and interest payments for the past year. Also I have graduated college in XXXX, so this makes no sense. Tell me how my loans get to be placed in deferment with out my authorization???? They do n't. What they are doing if fraudulent and unfair. Had I not noticed this, 1 ) One of my loans I would be paying interest only and NEVER paying principal. According to the contract I signed this would not be the case because as stated from years XXXX to XXXX I am on a full principal & interest payment plan. This lines their pockets with cash and me the consumer does not get out of debt. Talk about unfair business practices. 
2 ) My second loan is in a worse situation. According to them the loan is in " In School Fixed Payment Plan '' which is a euphemism for NEGATIVE AMORTIZATION. Tell me again how this happened?? I go from full principal and interest payments to a Negative Amortization plan. The problem with this is that the interest that accrues over the billing cycle does NOT get paid and gets added back to the principal. This increases your principal balance so you NEVER get out of the loan. I have about {$27000.00} in outstanding principal balance. {$250.00} in Interest is being added back to my principal balance. How does this happen when my payment plan is in FULL PRINCIPAL AND INTEREST PAYMENTS. 
THIS IS HOW THEY MAKE MILLIONS OFF OF UNSUSPECTING CONSUMERS. 
Finally, this is not the first time this has happened. This is the third time they have incorrectly represented payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: TX
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:
My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This information was found on my credit report and I was never even notified of it. I want this to be removed it is for {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand this collection be removed from my credit report or I will file for litigation due to stress you have caused all this time.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: WA
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 Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION 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

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 2022-01-12
Company: LEXISNEXIS
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( XXXX Creditor : XXXX XXXX XXXXXXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In violation of FCRA, TransUnion, XXXX, and XXXX ALL reporting AND supplying inquiries over 2 yrs old thereby giving creditors false and misleading data causing financial harm to me and causing me to get turned down trying to purchase automobiles and other credit products. 
THIS HAS been reported several times before and they lied and said data was removed yet it is still being 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 2019-01-16
Company: Ascendium Education Group
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2018 I paid off my loan to the collection agency XXXX XXXX XXXX for the servicer XXXX, but I can't get any information on the status of my student loan. XXXX 's Log In is disabled on their site, I can't view my SAR on FAFSA,  my loan status is outdated at NSLDS. It only shows an old balance and old interest and all the loans in default. I can't find any updated status on my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo, whom I contacted by phon e 4-5 times in the past 6 weeks, c laim an account with the name  XXXX   XXXX  had {$4400.00} deducted in  XXXX . The letter is dated  XXXX   XXXX ,  XXXX  to a  XXXX   XXXX  address ( I used to live in the building ), and I requested Wells Fargo to trace the transaction for me -- they did not to date. The letter contains reference No.  XXXX . Note : this is t he 3rd requ est to CFPB also, and the last response I could not open the indicated text!

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 2022-06-10
Company: Experian Information Solutions 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: 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

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 2020-12-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verificatio n. On XX/XX/2020, BMO HARRIS BK N A add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-06-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Cash advance was taken out on my credit card by hackers and Truist refuses to acknowledge it.

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 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a 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 2018-05-23
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When i contacted the company to make the payment of {$130.00} which states on all three bureau that amount, i was told it would be {$440.00} or renew loan. I wasnt able to do {$440.00}. My understating is that amount shown was that of previous settlemeant .i didnt make payments nor reset for s new loan wasnt sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate 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 2021-07-23
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is my 3th complain about Gemini, This Company take my money from my Bank account XXXX USD and don't return, more de two moths they promise to return Now I send copy from my bank transaction and copy from complains more people reviews with the same problem Gemini make Fraud with me and more people here in US

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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 reference to CFPB complaints XXXX and XXXX : This will be my third complaint in regard to false and inaccurate information being reported on my report without my consent since XXXX. After over an hour long call on the phone earlier today, the supervisor showed no remorse for the fact that I have had ongoing issues with my Equifax consumer report. He explicitly stated that " they just report what lenders give ''. Even after I expressed that I had firsthand knowledge that It was inaccurate and that the investigation process that he described was not the one that congress explains the supervisor didn't offer any resolution to reassure me that he understood their grave duty to furnish fair and accurate reports. He also refused to give me any documents that would prove that the alleged debts are valid. Being a supervisor, I was highly disappointed that he was not willing to help me in any way and only told me what he couldn't do. 

I have been affected by the erroneous reporting of Equifax and I would like them to show some sympathy for the damage that they cause and to acknowledge my request to delete the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX an XXXX XXXX XXXX was started at XXXX XXXX XXXX, XXXX, XXXX. Account was closed on XX/XX/XXXX with an balance of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation