BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I want to file a complaint against Cashmax a employee XXXX XXXX at the location CashMax - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, TX On XX/XX/2022 have been charging my bank card account for the wrong amount this is not the first time he have wrongful charge my bank card I have proof where my bank blocked and rejected the withdraw XXXX XXXX tried to withdraw from my bank card of {$190.00} without my authorization or consent when my loan payments is {$150.00} I have been struggling to pay theses fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. Please update status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear Federal Trade Commission, I am writing to complain about the corrupt and chaotic management of Wells Fargo Bank, which has led to the bank charging me an unauthorized fee. 

In the past, Wells Fargo has repeatedly leaked my personal information, putting my credit card at risk of being stolen. To protect myself, I requested a new card. 

After receiving my new card, I attempted to make a payment using the same ACH card that had previously been successful. However, the payment failed. I called Wells Fargo, and they told me that it was my fault. 

On XX/XX/XXXX, I made another payment, again using the same ACH card. This time, the payment was successful. 

Despite the fact that I had made two successful payments, Wells Fargo then charged me a late payment fee of {$45.00} on XX/XX/2023. I strongly condemn this predatory behavior. 

I demand that Wells Fargo immediately refund this fee and apologize for their actions. 

I also hope that the authorities will investigate Wells Fargo 's chaotic management and looming bankruptcy. This bank is a danger to the public, and it must be held accountable for its actions. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Dear CFPB, I am writing to provide further information regarding my ongoing dispute with Wells Fargo Bank. I recently contacted them again, engaging in a 50-minute conversation. During this call, they indicated that they have initiated the processing of four disputed transactions, for which they provided claim IDs : XXXX XXXX XXXX XXXX XXXX XXXX While this might seem like progress, a significant concern remains. Upon inquiring about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was far from satisfactory. Instead of providing a clear answer, they transferred me to multiple departments, leaving me without a resolution. Eventually, I was informed that these claims are still pending due to missing documentation. 

It's important to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and furnishing all the requested information based on their inquiries. Despite my cooperation, they continue to delay and avoid processing the claims. Their assertion that I haven't provided the necessary information is baffling, given that I possess the claim IDs as evidence. This situation is indicative of the bank 's intention to procrastinate, allowing these claims to linger indefinitely. 

It is evident that Wells Fargo 's actions are not aligned with their commitment to resolving disputes promptly and transparently. The bank 's inability to address these claims raises concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially considering that they possess the necessary information, is both disheartening and unjust. 

In light of this situation, I implore the relevant authorities to intervene and oversee the activities of Wells Fargo. Their behavior calls for a thorough investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, 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 2023-06-20
Company: EQUIFAX, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: SC
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:
US department of education XXXX. It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.

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 2023-07-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 today, Monday, XX/XX/2023, I have had to spend over XXXX hours on the phone with Synchrony Bank employees to get to the truth of why my account is showing that I owe about {$100.00} more than I have record that I owe. 

This has been a continual pattern during the last XXXX years as a customer with Synchrony Bank/PayPal Credit . 

Last week, I made XXXX calls without success with each representative stating something different. 

However, after many hours I was finally told the truth. 

My account had been recharged {$120.00} due to an " internal error '' made by employees within Synchrony Bank. Synchrony Bank rebilled with {$120.00} without any prior notice in any form of communication with me and evidently the employees did not know. 

The facts of this continual deceptive trade practices and gross billing negligence are as follows : Original charge of {$120.00} on XXXX Provisional Credit of {$120.00} on XXXX Reversal of Provisional Credit of {$120.00} on XXXX Provisional Credit reissued of {$120.00} on XXXX Provisional Credit Re8issed of {$120.00} on XXXX Reversal of Provisional Credit/ Rebilling/ of {$120.00} on XXXX No prior notice, nothing listed on the online account. 

I knew that the balance of {$270.00} was not correct on XX/XX/2023. No plausible explanation given.

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 2023-08-04
Company: EQUIFAX, INC.
State: GA
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:
Equifax is not allowing access to my credit report and using authentication as an excuse which is false. I answered all the questions they asked me. I even tried alternative authentication by sending my id and my photo and they still denied me access with no explanation. The agent XXXX Id # XXXX was the information he gave me. I asked him to speak with someone about the issue and he repeatedly told me there is no one else to talk to. To my knowledge there is always a chain of command and not only was I denied rights to my credit report but also denied rights to a resolution by allowing me to speak with a higher chain of command.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
XXXX is inaccurately reporting information on my consumer report. XXXX is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted XXXX and they didnt correct this error.

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 2023-08-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX signed into Citi account and found 8 fraudulent transactions. Called Citi Fraud, spoke with XXXX. She disabled that card and promised to overnight new cards, as we needed for upcoming purchase. 
XX/XX/XXXX new cards arrive. Login to Citi to activate, to find fraud alert. Talk to XXXX at Citi, who tells me that new cards had to be cancelled also, as 2 fraudulent transactions were posted on XX/XX/XXXX. Told her I thought those were part of the 8 original fraudulent transactions that likely were mistakenly transferred to new card, but to be safe, XXXX cancels card, and promises to XXXX  a second set of replacement cards. 
XX/XX/XXXX new cards haven't arrived. Call Citi, speaking to XXXX, then XXXX, then XXXX, all of whom seem to be confused and can't figure out if the first replacement card was ever cancelled, but they do seem clear that the ( second ) replacement cards promised by XXXX were NOT actually sent. I ask to be forwarded to someone in the XXXX, as the communications seem very scrambled. Speak to XXXX at Citi-XXXX  XXXX who says it looks like the first replacement cards are good. She puts us on hold to speak with her Security center to be absolutely sure ( would be embarrassing to us if she's wrong ), then comes back and tells us we are good to go. 
XX/XX/XXXX Login to Citi, and find that yet another card number has apparently been issued. Call and speak with XXXX. She says Citi records show that, after we spoke with XXXX on XX/XX/XXXX, my husband spoke with someone else at Citi and asked that the second replacement card be cancelled and replaced. This is ABSOLUTELY NOT TRUE ... this call never took place! Not sure who they talked to, but it wasn't my husband or me. XXXX tells us that another set of replacement cards were mailed on XX/XX/XXXX. 

This customer service group is so scrambled. They can not keep their facts straight, they give conflicting information, and cancelled the replacement cards and mailed new ones without giving us any notice, and after assuring us repeatedly that the first replacement card was good. And their records indicate they cancelled the first replacement card at my husband 's request, which is not true. Citi 's websites make it impossible to complain to anyone directly. All phone numbers lead to long wait times only to speak with people who try to help, but are relying on scrambled and inaccurate information.

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 2023-07-11
Company: WELLS FARGO & COMPANY
State: IL
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:
Wells Fargo Bank , N.A . Contacted me via USPS asking me to take action to process a credit card application. I never filled out an application for a Wells Fargo credit card, so it appears to be a fishing expedition.

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 2023-07-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX complaint filed but as with this complaint KIA only demands payment when XXXX XXXX XXXX XXXX XXXX HAS ALREADY PAID and confirmed THE NOTE AMOUNT ON THE CONTRACT was paid! Kia Finance nor the dealer cares or is concerned they have created this issue and evidently refuses to respond! FOLLOW up on Gap refund also indicates they claim not to be notified. By opinion a termendeous abuse of seniors, vets and citizens!

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 2023-08-29
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They contacted me first in a bill they had purchased and bought. And it was an old bill from a hospital back in 2017. The statute of limitations is over for the amount owed. Plus, i did not go see these people, did not sign anything or agreement with these debt collectors if i did show me proof. And they sent this amount they claim i owe to the credit Burroughs, trying to discredit me, claiming i didn't pay my debt to them. I think debt collectors should nit be allowed to collect on owed debts that they can not prove was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: FL
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attaching a debit statement from my bank demonstrating the payment history on my mortgage since XX/XX/XXXX. 

My mortgage was serviced by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. All payments were in the amount of {$1400.00}. 

In XX/XX/XXXX the service transferred from XXXX to XXXX, who continued to charge me {$1400.00} for the next seven months. However, in XX/XX/XXXX the mortgage payment XXXX {$250.00} a month to {$1600.00}. Since I was on autopay, I had not taken immediate notice of the increase. XXXX collected this increased amount for the next XXXX months before transferring the service to PHH in XX/XX/XXXX. 

The transfer to PHH is when I noticed the increase. Upon investigation, I discovered XXXX increased my home insurance by $ XXXX and my property taxes had increased by {$170.00} annually. A {$380.00} annual increase did not seem sufficient to justify a $ 254 monthly increase in my mortgage. 

I called PHH and they informed me this was due to an escrow shortage. I spoke to four different reps, but I was unable to receive an explanation as to HOW my escrow incurred such a massive shortfall, to the point where it went negative. I also called XXXX, but after XXXX minutes on the phone the rep hung up on me. Finally, I called XXXX, but they are unable to find me in their system. 

PHH has been collecting monthly payments ranging from {$1600.00} to {$1700.00} for the last XXXX months. They explain the increase is to build my escrow back up, but can not explain how it went negative in the first place.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I filed XXXX XXXX  XXXX and listed One Main Financial as creditor and despite my filing on XX/XX/2023 case XXXX, CREDITOR ONE MAIN FINANCIAL IS STILL EMAILING, CALLING AND HARASSING ME TO PAY AND REAFFIRM THE LOAN. IVE PAID OVER 75 % of the principal {$5000.00} loan. I am asking for protection from this creditor. I will also advise trustee that This creditor is still contacting me. I politely let creditor XXXX XXXX XXXX XXXX and XXXX to advise client of my case number.

Company response to consumer: Closed with explanation