BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.

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 2019-12-02
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Had loan for three months amount of loan was XXXX dollars .the first payment was debited from my account for XXXX the second month the amount jumped to XXXX the third month for the XXXX of those amounts XXXX dollars was applied to the loan amount I just paid the balance off and will no longer do business with these loan sharks

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 2022-09-08
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I overnighted a dispute letter to EQUIFAX and a copy of my identity theft report ( please see attached ) and asked them to remove the fraudulent inquiry from XXXX. By law, they were supposed to remove it four days after receiving my dispute- as of today, XX/XX/2022, they have not removed it. I even spoke with one of their representatives on XX/XX/2022, who said she was going to delete it - that was seven days ago and the fraudulent inquiry is still showing on my credit report. Please remove the fraudulent inquiry from my credit report immediately as I have requested numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am XXXX XXXX XXXX, XXXX XXXX, Suntrust Bank is transition to change to Truist Bank, they promised to send my debit card from 21 ago and I never received, just I habilitation my old Suntrust Bank via email enroll to continuos performer to withdraw or deposit, collect my money via the digital transaction in XXXX app, Today Saturday XXXX at XXXX pm, I call to this bank to order a claim my ATM card, just I never received, this representer person order a new card, and he says ok listen right know your ATM card it doesn't work, so do you have open one Truist Bank close to your home, go before to XXXX PM will be closed and take and another card, he says thank you so much and bye. 
Just I go running to this Trust Bank, and I see a big surprise, the bank is closed every Saturday. Please help me. this is not the correct action please protect to all people who have accounts in this new Truist Bank. I don't have the freedom to withdraw or deposit any transaction again.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
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 am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2022-09-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to get a replacement card from Huntington Bank, Business Master Card since XXXX of 2021. I have called them more than 5 times to request a replacement card, each time I am told it will be mailed to me. I never receive a new card and Huntington always appear surprised and offer to send it again. I have ask to talk with management, it gets me someone else but NO additional help in the matter. I now see a charge of interest fees, even with a XXXX balance??? If the card company wants the account closed, I want to know why? Ive always maintained the payments in a timely manner. 
This should be illegal to do to a consumer. My guess is they don't want me to have the card with such a low interest rate, and forcing me to close the account. 
Unfortunately I do not have the card number. At the time in XXXX of 2021, I never thought about this position Im in right now. I believe I cut up and thrown away the old card, because a new one was coming. 
Any help and/or guidance would be very appreciated. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XXXX XXXX a charge was allowed to be made to My credit card company when the names did not match and nor has a charge of that dollar amount have EVER been Made in the XXXX yrs that Ive been a customer of capital one. I disputed the charge and capital one is backing the merchant instead of my their customer. Ive tried to no avail to resolve this matter and I NEED assistance ASAP please?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
- XXXX XXXX XXXX XXXX ran my credit but Equifax is not reporting any information to them - Being that this isn't the first time I heard this when it comes to Equifax, I called Equifax & the multiple customer service agents I spoke to showed that they are, in fact, showing a Hard Inquiry from XXXX XXXX XXXX XXXX - However, I received a copy of the Credit Report received from XXXX XXXX and learned that while XXXX  & XXXX  are reporting a Credit Score, Credit Report & Credit information, Equifax is NOT showing a Credit Score, Credit Report or Credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Account information incorrect

Complaint:
On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, XXXX, Transunion and XXXX has not completed the investigation. 

It has been over 30 days and all of these consumer reporting agencies are in violation. 

XXXX, Transunion and XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

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 2022-03-13
Company: EQUIFAX, 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I opened what I thought was a XXXX 's store only credit card. Wells Fargo instead issued a XXXX 's XXXX XXXX card issued and administered by XXXX XXXX XXXX XXXX. In talking to them they said they gave me an upgrade to the XXXX XXXX card because of my excellent credit history. I never wanted or agreed to this type of card. I wanted and thought I was getting a XXXX 's only credit card, not a card that could be used at 3rd parties. My exgirlfriend unbeknown to me used the card to make electronic 3rd party purchases. She changed the billing to her email account with out my knowledge. I got a letter dated XX/XX/XXXX addressed to my mailing address, after I complained to Wells Fargo, saying they had reviewed my complaint for fraudulent transactions, and based on their research, I owed {$800.00} for purchases made at XXXX 's XXXX XXXX XXXX   location in XXXX XXXX, MO. I paid the amount in full and got confirmation # XXXX. On XX/XX/XXXX I got a letter saying they were issuing me a new XXXX 's XXXX XXXX card, I told they I didn't want it to close my account, at that time I thought this matter was over and done with. I sent them a completed and signed Declaration of Fraud and Forgery. OnXX/XX/XXXX I got another form letter with no documentation saying I now owed {$2300.00} I called and they said they would look in to the matter. On XX/XX/XXXX again with no documentation I got another form letter stating I now owed {$6900.00}. I called Wells Fargo again and they said they would look into the matter and get back to me byXX/XX/XXXX.  Totally frustrated by Wells Fargo I am seeking your help. See attached documentation

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 2022-01-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2021-06-10
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: Information belongs to someone else

Complaint:
There are a couple of accounts that do not belong to me on my credit reports. Please remove them.

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 2022-09-08
Company: SYNCHRONY FINANCIAL
State: TN
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 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
RE : Report # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 2017-06-19
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX,  Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to  stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX,  who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I contacted PNC Bank my local branch in XXXX Ohio downtown location! I notified them i needed copies of all the cashiers checks from aprox.from XX/XX/2015 until the current time they were every month for {$50.00} but a few were for {$100.00} I TRIED TO REASON WITH THE CUSTOMER SERVICE PEOPLE ONE IN XXXX OHIO THAT CALLED ME AND SAID SHE WOULD, THEN SHE NEVER CALLED ME BACK! I I HAD A FIRE AND ALL MY COPIES OF THE CASHIERS CHECKS WERE BURNT UP ALONG WITH THE RECEIPTS! AT FIRST THE MAIN BANK IN XXXX PA SAID THE LOCAL BRANCH WOUULD HAVE THE CANCELLED CHECKS! THE A CUSTOMER SERVICE PERSON CALLED ME FROM XXXX OHIO AND SAID THE CANCELLED CHECKS WERE IN A SECERET SIGHT IN XXXX OHIO! THIS WAS XXXX XXXX OR XXXX! THEN I CALLED THE MAIN BANK PEOPLE AGAIN AND THEY HANDED ME ANOTHER SONG AND DANCE I HAVE BEEN WITH THIS BANK 43 YEARS! I JUST WANT SOME HELP! XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. FAIR XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX2022 I made several large deposits to Coinbase from a personal account of mine. I had XXXX as CASH assets in my account. I purchased crypto currency, a few days later Coinbase took my assets. I want my initial investment returned, or up to the amount they are FDIC insured for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: MD
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:
I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.

Company response to consumer: Closed with explanation