BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a message stating that my Checking account with Wells Fargo had an approved overdraft at an ATM transaction on XX/XX/XXXX. There was three transactions made ; one for XXXX and XXXX dollars at an AT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I explained to Wells Fargo that I did not, make the the transactions not did i authorize the transaction and that I only had XXXX to XXXX dollars in the account. Wells Fargo expressed to me that I have overdraft protection on my account which will allow funds to be taken out without being in the account. Wells Fargo stated that an investigation was conducted and they determine that no fraud took place. I then was told to get a police report if I did not agree which I did on XX/XX/XXXX with XXXX XXXX Police. I provided Wells Fargo with the police report number but was again told that the case can not be reopened and that I am responsible for payment of the withdrawn funds. I asked was the cameras reviewed at the ATM and I was not given a clear answer. I did not make the transactions and the camera will prove that it was not me. I expressed to Wells Fargo that they have a history of discrimination towards XXXX American consumers and the way that this case has been handled I feel discriminated. I just want to get to the bottom of the situation and I do not feel that I am responsible to pay for something that I did not do. I was a victim of something that is very common and I am being accused of authorizing these transactions.

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 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two, capital one and XXXX and XXXX, are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: Bridgecrest Acceptance Corporation
State: MO
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 got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.

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 2022-04-29
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: Their investigation did not fix an error on your report

Complaint:
Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. XXXX and Transunion claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? XXXX and Transunion, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.

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 2021-03-29
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:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, 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 like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me, It was open due to a result of identity theft. Creditor is required under the FCRA to provide me a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Creditor has failed to present method of verification for over 60 Days! Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In the Event XXXX has falsely state the following account verified who verified these accounts? You Must provide me a copy of any original documentation ; a consumer contract with my signature on 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 2018-07-31
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settle and I requested the account to be deleted from the credit bureau. I disputed through XXXX and the company refused to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was opened on XX/XX/2018 in the amount of {$470.00}. After my 6 month plan was paid for in full and had come to an end, the company went to wrongly renew my policy after I had to told them I will not be renewing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Braviant Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted Balance Credit not knowing that they are an illegal entity in the state of Ohio. I have paid over the principal on the loan that I took out with them. They are charging 697 % interest and I refuse to pay anymore since they have received the principal of the loan plus money. I have sent them cease and desist letters and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had originally CFPB complaint # XXXX for Kia Motors not providing the correct Bill of Sale and Title after we purchased the vehicle. Kia omitted the sales tax we paid. Vehicle was originally a lease and we paid off balance in XX/XX/2021. 

Kia finally provided the updated and correct Bill of Sale after the CFPB complaint. I have sent the signed Bill of Sale XXXX times to Kia Motors and they have not provided me the corrected title ( including the sales tax I paid ). I had mailed a copy of the signed Bill of Sale on XXXX. I also faxed a copies on XXXX and XXXX as evidenced by the fax transmittals. 

I have requested a phone call from Kia to explain to me why there is such a delay. I have made numerous phone calls to the call center and their is no resolution or satisfactory action. It has been almost XXXX  months from when the vehicle has been purchased. The car 's registration expired in XXXX and we have been unable to drive it since. Kia has not made any attempts in contacting me to explain. The latest mail postmarked XXXX ( but Kia letter dated XXXX ) provided the Bill of Sale. I have sent the requested signed Bill of Sale multiple times. A copy is included in the attached fax dated 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
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
Re XXXX XXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and Experian to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. 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 2021-12-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, This is my second complaint about PayPal and the second time they have held our fundraising dollars XXXX. They will not release our funds until we sign onto their " Giving Fund. '' If we don't sign onto this fund, they keep our money for XXXX days until they send a check. I have tried at least XXXX times to fill out the form but I keep getting an error message. I spent over an hour on the phone with a representative who couldn't do anything but " fill out a ticket. '' When I finally received an email from PayPal I again followed the directions but got the same error message. I would like our funds released. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notice that a savings account had been opened in my name at Navy Federal Credit Union, mailed to an address that I had not lived at for 40 years. I did not open this account or request it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been trying to get my Child Support Card replaced as it was lost during a recent move. I have called the Bank of America Child Support card line but i am being redirected to do everything online.  When i stay on the line to speak to a representative, which is what it says will happen, i am told by their automated system that their call volume is too high and to call back later. I have tried to called back 10 times in the last 3 days, at different times of day, etc. I even tried to call the AZ Child Supoort office and they said Bank of America handles all the cards. EVERYTIME i have called, it says call back later. 

Unfortunately, i cant access the online account because i dont have my card number and the system requires me to have that in order to access the online features. 

So i am sitting here without access to those fund, with no way to report the card as lost, and im being kicked off the line b y bank of america after being the phone for 10-20 minutes waiting for a representative. 

I need someones help here and i need a new card and/or access to my online account.

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 2020-06-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had an account with paypal.My business was going on well until I got an email from them that I am in violation of their policies, which does not state why, and there is no way to contact them, yes, no way to contact them.It was meant to last 180 says which expired XX/XX/2019 .I have been unable to withdraw since then, for a year and 3 months.This happens a lot to customers. 
My account ID : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has blocked or deleted my credit report and this has stopped me from gaining access to credit. I received a letter asking to send in my identification- I have mailed it in but still no change - so I am sending thru this portal to see if this can resolve the block on my credit score because this is is hurting my lifestyle and my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX  Account number XXXX XXXX  XXXX Bankruptcy 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 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
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Consumer Financial Protection Bureau XXXX XXXX XXXX File XXXX I am contacting you regarding how Transunion is handing my credit file and has not been able to fix the issue for the last week. Anytime I would login and try to do anything I get the error of 'We are unable to process your request '' then giving me a number to call where still none of the agents could help! I've been taken in circles only to not hear anything back from Transunion. 

I am trying to lift a freeze that was placed on my account so that I can apply for credit and I just learned on yesterday after trying to handle the issue twice that I have two social security numbers attached to my file. I asked the question of how does that happen? and noone can give me an answer not even the supervisor. The problem that I have is if my file has two social security numbers send me a letter or contact me to advise so that we can fix the problem or when I've called in to dispute which I have ask the question or something.

I currently can login to transunion.com but that's it and each time I did a chat they told me that I would get a call in 4 days. Well days and days have gone by and no call and no help from Transunion. I get escalated to a supervisor who gave me all of these textbook answers and yet still could not give me answers to how my file ended up with two social security numbers. I'm really disappointed in how they have handled this matter and I would like them to remove the freeze and fix my online account removing the extra social security number. 

What I can't understand is that I can call and do disputes, verify myself over the phone so that I can get an agent but yet can't lift a freeze after logging into my Transunion account. Again noone there can tell me how I was assigned a second social security number. 

My social security number is XXXX and I have no other number. I am sending a copy of my drivers license as requested to remove the freeze and fix my account. I would hav been nice to receive some type of alert when I called each time rather than telling me its been escalated and I not hear from them at all. I need this handled 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 non-monetary relief
Consumer complaint received 2021-12-11
Company: Experian Information Solutions 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:
Please send me The True Books including : 1.balance sheet, 2.FAS XXXX, 3.Thrift Finance Report ( TFR ), 4.FR XXXX Balance Sheet, 5.XXXX-OID, 6.S-XXXX/A registration statement, 7. XXXX-bXXXX prospectus, 8. RC-S and RC-B call schedules. 
9. XXXX-C Your failure to send these documents within XXXX days you agree to pay Me {$3000.00} in the form of a check.

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 2021-06-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX I applied for a refinance cash out with my existing mortgage Flagstar Bank. I locked my rate at 3.0 %. I paid {$550.00} out of pocket for appraisal. After appraisal Flagstar adjusted rate to 3.22 % they said because appraisal came in at XXXX instead of XXXX. When I looked at loan estimate it said 3.26 %. My loan officer XXXX XXXX said he would talk to his manager and get approval to correct it. 4 days later estimate still said 3.26 %. I emailed asking for an explanation and I was told it takes time. On the final loan estimate it said 3.3 %. I emailed got no response was told their internet was down. I have all emails of correspondence saved as documentation. I then began to look for other lenders as this rate was never agreed upon by me. I found XXXX XXXX and asked for my application with Flagstar to be withdrawn. On XX/XX/XXXX a formal letter was written by me asking for the {$550.00} out of pocket appraisal I paid for be transferred to XXXX. Flagstar said they would and it could take up to 48 hrs. After numerous emails and phone calls over 2 weeks XXXX still has not received appraisal from them. I would like my appraisal transferred as they agreed to do or refund me my {$550.00}.

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