BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX charged my credit card for XXXX in error. The quote I received was for {$480.00}. I called immediately and asked them to credit my credit card for XXXX because that was not our agreement. After a week or so they did send a refund of XXXX to XXXX XXXX XXXX. In the mean time I called the credit card and asked them to stop payment for the charge of {$730.00}. They did that. Finally, I received the refund from XXXX they said they sent a second refund to XXXX XXXXXXXX XXXX. And XXXX XXXX XXXXXXXX did charge back to XXXX XXXX XXXX XXXX XXXXor the {$730.00}. XXXX XXXXXXXX XXXX said they sent the money back to XXXX XXXX XXXX. I have made numerous calls ( over 30 ) to XXXX and XXXX XXXX XXXXXXXX. The last person I talked to I talked to at XXXX XXXX XXXXXXXX was XXXX, Supervisor of claims at XXXX. I have also contacted XXXX in an attempt to clear this mistake up. I started talking to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX WI XXXX. When the XXXX XXXX XXXX would not help me I started talking to the XXXX Corporate office and they continued to claim I owe them money. I do not owe them money at all. In fact, they owe me money for the {$370.00} I paid for the policy XXXX. When I could not get XXXX to stop claiming I owe them money I cancelled the policy on XXXX XXXX 2021. The policy was only in effect for approximately 2 weeks before I cancelled it. Please help me. I have been working this since early XXXX of this year. I have spent numerous hours on the phone with XXXX XXXX XXXXXXXX and XXXX and they each claim it was the fault of the other company. I feel like I am stuck in the middle of this squabble between 2 companies. I only signed papers for one policy. That was XXXX and the cost was {$370.00}. I am due a partial refund of the {$370.00} I paid. XXXX started this mess when they charged the wrong amount. {$730.00} when they quoted a much cheaper price of {$480.00}. The policy and the {$480.00} was the only thing I agreed to and I should not be held responsible for their mistakes. I can be reached at XXXX. My name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, WI XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i had been emailing XXXX about purchasing a animal i had sent XXXX dollars on XXXX with wells fargo to XXXX XXXX they supposedly where shipping it out on XX/XX/XXXX the shipping company was mx movers they tried to make me send an additional XXXX on top of the XXXX for a thermal heating cage for major temperature changes which seemed very odd i didnt send it. i ended the call and tried to reach the breeder which i didnt get a response at all until a while after then they just tried to make me feel bad for not sending the XXXX dollars like you really are going to do this to a poor animal then i asked for a refund as their website petlandferrets.com said i would if i wasnt happy they then didnt reply at all and i tried calling the number ( XXXX ) and they had answered it was the same XXXX guy i talked to for the mover company and he ended the call and just blocked me. i had talked to my bank and they arent taking it seriously and arent helping.

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 2017-06-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.

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 2017-06-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient 's  ( formerly  XXXX   XXXX   XXXX   XXXX   ) webpage incorrectly told me that my loans were approved and successfully submitted for automatic debit payments every month. However, each time I submitted my banking information through the website, it would n't process automatically as it was supposed to. As  a result, Navient  harassed me every month with automated phone calls informing me that my payments were delinquent. I called them and had the issue corrected. This issue happened TWO OTHER TIMES while I was still in school a nd the six mon th grace period after receiving new loans ended. On the third and final time, I did not call them and continued to receive the automated phone calls. I wrote them an angry letter explaining that their website confirmed my banking information was submitted and approved, but the money was n't coming out. They wrote me back and told me the opposite - that my banking information was never put in. Also, they 're probably guilty of overcharging people too (   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: NV
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 enrolled in school with the university of XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my Experian and XXXX  credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.

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 2017-05-31
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court   XX/XX/XXXX  a nd a judgment was made against me in  XXXX  in regards to a  XXXX  credit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since  XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, XXXX  and TransUnion a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX  and the equivalent with XXXX  and TransUnion with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with XXXX   and I have found no option with TransUnion through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I notified all three bureaus that I am a victim of identity theft

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 2019-12-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, Experian and XXXX  a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on Experian 's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX Experian advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with Experian and the equivalent with XXXX  and XXXX with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with Experian and I have found no option with XXXX  through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX  XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
After turning off my auto pay twice, XXXX XXXX turns it back on And fraudulently took a XXXX payment out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX.  XXXX XXXX also did this on my XXXX credit card after I turned auto pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Recently, I found out a credit card was opened in my name through Capital One, which I didn't open myself and had no knowledge of. This card was opened in XXXX of 2019 but strangely, this card wasn't even on my credit a month or two ago when I looked at my credit history.I don't understand what is going on with Capital One because they did the same thing to my wife who tried to get a secured credit card through them, highly disappointing. It's the reason why I didn't even bother calling them to take care of the issue, I had to file a complaint since I'm not the only one they've done it to. Also this card was opened the exact same date as my wife 's fraudulent card if I am not mistaken, both in XX/XX/XXXX of 2019. I never received any statements for this card, and it's never been used since the balance is {$0.00}, the limit is {$1000.00}. I asked myself how is it that a card that has been opened for almost a year never used. These fraudulent happenings have been going on, with Capital One being the common denominator. This is very worrisome for a consumer, not knowing who is using my credit. I want this card removed from my credit, it is not mine and I did not open it. This make me question if I should think twice about dealing with Capital One in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing with Equifax credit bureau that the following accounts : Department of Education/XXXX/, Department of EducationXXXX and US Department of Education XXXX. These accounts have been on my credit report report for more than 10 years and I have been disputing them to be deleted from my credit report. But all the credit bureau does is keep verifying that the information is accurate or that that the accounts belong to me. I know the accounts belong to me and that the information is being reported accurately. I just want the accounts deleted from my credit file. They have been on my credit report for over 10 years and it's the credit bureau responsibility to remove accounts that have reached that timeframe. I spoke to a rep on XX/XX/2022 who told me that she deleted these accounts from my credit report. Only to find out she gave me false information. I've been disputing these accounts since XX/XX/2022 and still nothing has been done. They told me today XX/XX/2022 to call the Department of Education and provided me a phone number XXXX to have them send them a deletion letter to remove the accounts ; however, the phone number doesn't even work. I called them back to tell them and basically was told since their still in dispute that I'll have to wait until the dispute gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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 with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location 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 non-monetary relief
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: OK
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:
I paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX  credit report and Experian credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is 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 2021-06-16
Company: JPMORGAN CHASE & CO.
State: VA
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:
WHERE IS MY CHECK???? YOU ALL STOLE MY MONEY AND I WANT IT BACK IMMEDIATELY!!!! THIS IS 100 % ILLEGAL!!!!! COMPLETELY INCOMPETENT!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : CAPITAL ONE BANK USA N XXXX Date Opened : XX/XX/2016 Balance {$6300.00}

Company response to consumer: Closed with explanation