BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have requested that XXXX XXXX to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was frozen plenty of times when they it was an unauthorized purchase.Dont remember the dates but they can go back thru their records

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 2022-12-11
Company: Experian Information Solutions Inc.
State: NJ
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 XX/XX/2022 I sent a letter to Experian, XXXX and XXXX credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ).

and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : 1 ) Defamationm 2 ) Negligent enablement of Identity Theft 3 ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.

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 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying to pay this loan off since XXXX XXXX XXXX! I started paying extra amount to the principal but it kept getting paid as a monthly payment with additional interest and then not being applied to my monthly payments! Which caused my account to reflect 30 days past due! Not to mention additional fees being added for no reason. I was told it would be removed and would go straight to the principal balance, in which did not happen! This is the 4th time this has happened on this account causing more interest to accrue on the account, making it harder for me to pay this loan off! They are now saying that I have an additional {$590.00} due along with the pay off amount of approximately {$1000.00}. This is not true and I will upload documents to prove what my bal was in XX/XX/XXXX. The additional interest that was owed at that time was {$1500.00}. Then on XX/XX/XXXX the additional interest was listed at {$2100.00}. That is not possible. It cant gain the amount of {$590.00} in 8 days at {$17.00} per day in interest! The most that it should have went up in XXXX is {$140.00} in which principal payments were made in the amount of approximately {$1600.00} total from XXXX through XX/XX/XXXX! I have been calling for an entire month trying to get this resolved to no prevail! When I ask to speak with a supervisor Im being told it would take 5 business days for a call back! In the meantime Im getting held up from paying the vehicle off being charged additional interest! I am at the end of my loan and maturity date is XX/XX/XXXX. I have been working diligently to get this paid off before this date, without the cooperation of Capital one!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
One thing about wells Fargo will charger u fast for over draft fee don't give u a chance is sad

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 2023-01-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX closed it's company XX/XX/XXXX. I bought furniture through them in XXXX and it has been paid off. I can no longer go into any online account since the business is no longer opened and filed for bankruptcy. I purchased my furniture in XXXX XXXX XXXX store in XXXX XXXX, IL for reference. LVNV Funding LLC is trying to collect {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo kept charging me {$35.00} overdraft fees daily on charges I never asked them to cover and they didn't cover. They charged so much it became overwhelming and my account was closed.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I could not withdraw cash I needed from.my hecking account. I was times stopped at the door of the Wells Fargo bank branch to go inside to get cash as my daily cash withdraw was limited to {$500.00}. 
Money, {$220.00} approximately, was taken from my checking accounts at Wells Fargo, and I had to hire a lawyer to deal with stubborn Wells Fargo to get my money back. The overdraft fee was just unbearable, I didn't know what to do. 
So many issues do many times.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was struggling to pay my car note and pay $ XXXX get the car fixed due to the computer system with the vehicle and I did a volunteer repossession and it took them 3 months to pickup the vehicle and they sold the vehicle and was still charged {$8000.00} remaining balance and my credit score went down so I couldn't purchase a new vehicle we I was told that I was in good standards with wells Fargo and it won't effect my credit score and it did.

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 2023-01-19
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collection notice for {$160.00} from on XX/XX/XXXX Sequim Asset Solutions, LLC XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Sequim stated they were collecting on behalf of XXXX XXXX XXXX for a past collection. 
When I had XXXX XXXX XXXX several years ago I was on XXXX and never received any additional bills when I switched to XXXX XXXX. All XXXX XXXX XXXX  bills were texted to my phone- I never received a text for the above amount. 
When I initially found out about the debt collectionI reported this as fraud to my credit reporting agency. 
I called Sequim and they stated that they had no information regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
somehow my account was hacked, and someone deposited a check from a mobile device and withdrew 2000 $ do being that the account went negative i was charged late fees as well as my paycheck that was deposited was taken for something I DID NOT DUO WHEN I CONTACTED XXXX XXXXXXXX XXXX associate hung up on me and told me there was nothing, she could do they ended up closing my account. this happened. Between the months of XXXX. 


''I no longer have access to the accounts for 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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX  ct I called the Chase travel rewards customer service line ( XXXX ) to inquire about Chase 's credit card points being value at a 1 for 1 valuation. i.e transferring XXXX points at chase, would be worth the same amount of points and money at United Airlines. This was confirmed to me by Chase that this would be the case. This phone call lasted 8 minutes until approximately XXXXXXXX XXXX ct. 

on the same day at XXXX XXXX  I called United 's customer service line ( XXXX ) to inquire that what I was told by Chase during the previous phone call. The also confirmed that the points are valued the same at Chase and United. So that was confirmed twice in a matter of minutes, so I transferred XXXX Points to United for XXXX miles. I transferred the points to United because I am a XXXX XXXX XXXX XXXX XXXX  and United Airlines is a Chase partner and also provides discounts to veterans. 

Once I started to book my flight with United and after the points were transferred, the valuation of the points between United and Chase became apparent. The points valued at Chase and through their travel program are worth roughly {$1700.00}. The value of of the points at United are now showing as only {$1000.00} for a loss of {$700.00} to me. 

I immediately called Chase to have the transfer cancelled again at XXXX XXXX  on XX/XX/XXXX. A transfer request was submitted by Chase under reference # XXXX and was denied by Chase as all transfers were final with a decision being relayed on XX/XX/XXXX after XXXX XXXX  ct. 

I called both united and chase for compensation and to escalate the issue further. A call pull request was submitted on XX/XX/XXXX to verify that I was given misinformation and am now at a loss of {$700.00}. The Call pull request and resubmission of the complaint was submitted by " XXXX '', an employee of chase under reference # XXXX. I was told by her subordinate, " XXXX '' that they would be able to compensate me the difference in points, but when I spoke with XXXX, I was told they would do no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged many fees from 2013 until recently I asked for fees to be waived recently and they are cooperating with I ask to speak with the supervisor. But many fees I would like to be waived as well from 2013 until the present

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 2023-01-19
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-19
Company: CITIBANK, N.A.
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:
This is a second filing for cfpb complaint # XXXX which was again denied by AT & T XXXX XXXX I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned XXXX of these shirts in 2022. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were issued to XXXX. XXXX forwarded the credits to AT & T XXXX. The account number used by XXXX ( ending XXXX ) was one that had been replaced with a new credit card number ( ending XXXX ) due to a breach on the original credit card number. ATT XXXX assured me that the credits sent to the old account number would have transferred to the new number. I have opened 3 separate disputes on these payments with AT & T XXXX and all have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX gave the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to ATT XXXX. I provided ATT XXXX with the XXXX account statement showing the credits had been sent to them. XXXX says the problem is with XXXX. XXXX says the problem is with AT & T XXXX. I have attached the XXXX XXXX refund copy from their website, the XXXX transactions for {$30.00} and {$36.00} and the XXXX XX/XX/2022 Statement showing the transfer from XXXX to AT & T XXXX. Someone has the {$36.00} and {$30.00} refunded by XXXX XXXX- and it is NOT me!

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled right away : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXXHi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts have been sold without my consent and many inaccuracies with the payment history, status, balance, monthly up-dates. I have disputed the validity of the same accounts with no success. The accounts are in violation of 15 USC 1681. Removal of these accounts are required from XXXX, Transunion and XXXX - XXXX XXXX XXXX sold to : XXXX XXXX XXXX Acct : XXXX - XXXX XXXX. 
Acct : XXXX OR Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX  XXXX . 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX XXXX XXXX XXXX. 
Acct : XXXX - XXXX  XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX XXXX XXXX ( no info. ) Acct : XXXX - XXXX XXXX XXXX Acct : XXXX -XXXX XXXX Acct : 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account with the bank account is that I never used my account on line, except checking balance, I was charged with accepting a loan that I never used, overall

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