BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is sc amming clients with available balance discrepancies ( holding money ). Then charging " overdraft protection transfer '' fees.     On  XXXX  I noticed I had a low balance on my checking account that would not be sufficient to cover my pending transactions. I moved everything that was visible to me on  XXXX  in my savings account back into my checking accoun t ( {$4.00} ). Thi s brought my balance up to cover all pending transactions.     That night , Wells Fargo  moved money back out of my checking account and posted it to my savings for " Save as You Go '' transfers for over the weekend transactions. This money was held and was not visible for me to transfer with the {$4.00} on the  XXXX . I was n't aware these save as you go transfers were even pending.     Because they moved  ( posted )  this money late night of the  XXXX  after, this caused my checking account to drop below the amount needed to cover the pending transactions.   Wells Fargo then charged me a fee of {$12.00} to move the money from my savings back into my checking to cover the pending transactions.
So Wells Fargo held transactions from my Savings,    moved the money on the night of the  XXXX  when I already had a low balance in my checking, which caused the balance to fall below what was needed to cover the pending transactions. They then charged a fee to move the money back to my checking that they JUST moved the same night to my savings. If  Wells Fargo wo uld have left the money in my Checking account instead of transferring it to my savings, the balance would have been sufficient to cover the pending transactions and I would not have been   charged an overdraft protection transfer fee.
Wells Fargo s  hould have some sort of " checks and balance '' in their programming that prevents their systems from moving money to savings accounts when the balance in the checking is just sufficient to cover pending transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHASE HAS RIPPED ME OFF, THEY CLOSED MY ACCOUNT BECAUSE I DISPUTED SOME FRAUDULENT TRANSACTIONS THAT WERE ON MY ACCOUNT. 

THEY NEVER GAVE ME MY MONEY BACK AND I HAVE TRIED TO RESOLVE THE ISSUE SEVERAL TIMES IN BRANCH. 

A MANAGER TOLD ME " HONESTLY CHASE DOESN'T WHETHER YOU MADE THE TRANSACTIONS OR NOT, THE PERSON GUESSED YOUR PIN NUMBER SO YOUR SCREWED ''. 

THIS IS UNAMERICAN, AND EXTREMELY IMMORAL. THEY KEEP SAYING THEY NEVER RECEIVED A DISPUTE EVEN THOUGH I HAVE A CFPB DISPUTE ABOUT THIS ISSUE, THEY NEVER INVESTIGATE THE CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: TN
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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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, XXXX XXXX XXXX, have watched Experian lie to this entity about their practices and how they break the law, 605B FCRA. As a CRA, Experian is supposed to obey the law not reinterpret rewrite, or break the law. As the CFPB knows, Experian is to block the information I identify that occurred from identity theft. 
As a consumer, I have to provide 4 items to start the 4 business day clock to block the fraud info on my file. 
After blocking, Experian is to notify the furnisher of the blocked info they blocked from identity theft. 
Then Experian awaits a reply within 30 days of notification. If no reply is timely, the info remains blocked forever. 
Then if a reply is made, they are to determine reasonably that 1 of 3 things happened. 3 separate and distinct things. Error. Material misstatement of fact. Goods or services or money were obtained from the blocked accounts. It has to be real and proven, not just guessed at. 
I have identified my info clearly That needs to be blocked in 4 business days or less. Experian lied and said I did not provide it. Laughable and stupid. They got the police report, its clear in their also. So do not let them lie any more.

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 2019-03-16
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX  confirmed to EXPERIAN by reporting the same violation in a charge-off account and sold to another company a monthly payment ... 
Why do I have to notify you that its a violation to report a monthly payment in a close and sold charge off account.. 
I previously disputed the information with EXPERIAN but as you can see XXXX XXXX XXXX  confirmed the Violation as proof I will attach the picture with the report send to me.. 
XXXX XXXX XXXX reporting monthly payment in charge off account is a violation of FDCPA ... 
Also high balance os higher than credit limit ...

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 2022-01-04
Company: AMERICAN HONDA FINANCE CORP
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX a vehicle that was financed through Honda Financial Services was in an accident that caused some damage and later considered " Totaled ' from the adjustors perspective. During this time I worked with Honda Financial numerous times to understand how to either pay for damages or value of vehicle to repair and use or attain funds to get another form of transportation. At this time I called Honda Financial Services to discuss delaying payment options until I could formulate an action with the insurance company to cover the remaining amount owed. From this Honda Financial Services refused to work with me and on XX/XX/2022 impacted my credit score by XXXX points. 

VIN # XXXX ACCOUNT # XXXX Attached is the vehicle and account to reference but I would like this credit impact to be removed and for the bank to work with me while I attain funds from the insurance company to cover the remaining amount owed. 

Honda Financial Services ( XXXX ) XXXX or ( XXXX ) XXXX is contact numbers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower submitted a complete loan modification application package to XXXX for loss mitigation on XX/XX/2022 while the foreclosure sale was postponed until XX/XX/2022. While the loan was being underwritten the loan was transferred to Rushmore Loan in XXXX without decision being made. We contacted Rushmore in XXXX but they had not received the full file with the loss mitigation docs we submitted however they allowed the foreclosure to move forward for XX/XX/2022. We contacted VA to request a postponement while we resubmit a new file to Rushmore. Although the VA rep. requested a postponement of the foreclosure he could not determine if Rushmore would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I logged onto my online banking app on XX/XX/22 to find that {$270.00} had been transferred out of my savings account at roughly XXXX via XXXX without my authorization. I notified the Wells Fargo Fraud Claims department of this and, they issued a temporary credit while they looked into this matter. On XX/XX/22 my claim was reversed, so I called Wells Fargo to find out why my claim was denied. The claims worker informed me that the claim had been reversed as they claimed that the transfer originated from my fiance 's phone, even though I have never once logged into Wells Fargo using her phone, and there would be no way for her to know my login information, as for security reasons, I am the only one that knows the login information for my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: Problem with personal statement of dispute

Complaint:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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 Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2022 on XX/XX/2022 provide the information about the identity theft to Experian XXXX XXXX XXXX {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/XXXX Have a unknown card in my hard Inquires JPMCB never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown XXXX XXXX XXXX never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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:
Hello, I sent correspondence over 60 days ago and my credit account remains affected by the incorrect information being reported. I send the letter on XX/XX/2020, I feel like Im being taking advantage of and I do not appreciate it. I was also affected by the XXXX data breach which is causing problems for 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 2021-11-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been denied access to a home mortgage loan more than once. Presently I rent a XXXXapartmentand have resided here for approximately 3 1/2 years. Due to the national pandemic, andfor the past two years my monthly rent amount has been stable {$1600.00} and my lease was extended. Currently my monthly rent is paid up to date, and my rent history has no delinquencies at this time. 
In XX/XX/2020 I was forced toresign from my employment of 15 years and qualified for some early retirement fixed pension income that equal a mere fraction of my previous income. I expect that I will return to the workplace very soon. 
My debt to ratio is very high. My credit score is over approximately 725.My daughter has income, approximately {$40000.00}. XXXX annually. My daughter 's credit score is approximately 500-600. 
I/We are seeking approval for availablegrants and a home mortgage loan in spite of these circumstances. We are acclimatedto paying rent and our other cost of living bills, as well.I would like to be giventhe same opportunities that are granted to the many XXXX XXXX XXXX and people ofother nationalities that migrate here to the United States and are provided variousgrants and loans designedspecifically for immigrants to reside in luxury beautiful homes here in the United States and primarily the state of Maryland. 
I can provide you with information that may be helpful while reviewing this request and my circumstances. I look forward to hearing from and talking with a Consumer Finance representative. Your attention to my concerns within this email is very much appreciated. 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 2022-04-27
Company: EQUIFAX, INC.
State: NC
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 and I am submitting this complaint without any influence from a third party or agency. Please see attached documents and ID as it contains my full complaint and requests

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have filed a previous complaint. The company 's response was a joke. It ignored specifics to the complaint. I also must add my great disappointment with cfpb.

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 2017-04-25
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:
There is an inquiry from "  XXXX  ''. I have not done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had {$1500.00} withdrawn from my Cash App account ... it was unauthorized they hacked my account. I have emailed Cash App support numerous times and they will not response to my emails about my account being hacked. The date was Saturday XX/XX/2020. The amount {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Bread Financial 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:
Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : XXXX. I've called XXXX several times and spoken with agents. 
XXXX. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main Comenity Bank in XXXX, to seek resolution. Customer Service told me in late XXXX, that the only method was to write the bank itself in Ohio. 
XXXX. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
XXXX. I filed a dispute with XXXX XXXX in mid XXXX and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have submitted several disputes to the 3 credit reporting agencies Experian, XXXX, and XXXX over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-08-04
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
under 15u.s.c6802 I have the right to privacy and never gave consent to the bank to report my account, then i send them a certified letter with tracking number XXXX they never respond, I never recieve my OPT out form, its my consumer rights to can opt out from them reporting to 3 partys and they are violating my rights and this is a federal law but they don't care and also this is identity theft I never gave consent

Company response to consumer: Closed with explanation