BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: CITIBANK, N.A.
State: CA
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 XXXX a fraudulent foreign charge made overseas in an amount of {$330.00} was incurred on my XXXX XXXX American Express credit card account. Upon receiving the statement, I recognized this being a fraudulent charge and called the Customer Service # XXXX immediately to report. The rep looked into the charge and my account details, and acknowledged that a provisional credit will be given during the investigation period, and agreed to waive the foreign transaction fee of {$9.00}. However, the foreign transaction charge showed up again, along with a late fee, on my billing statement the next month. I called again and requested a waiver which the second rep agreed to. Unfortunately, the foreign transaction charge once again showed up and this time, along with a late fee and interest finance charge. I called in to complain and request a waiver, and at the same time expressed my dissatisfaction, requested to speak to a manager and requested a closure of my account. A manager picked up my call, agreed to everything ( i.e. waiving the incorrect interest finance charge, late fee, foreign transaction fee ) and confirmed that she would close out my account on the day of. But once again, on XX/XX/XXXX I received an email from XXXX XXXX American Express claiming that my account is still past due. At this point, I am not sure what I can do except to filing a complaint with the CFPB regarding this frustrating situation.

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 2023-01-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The information is incorrect. The original creditor received payment and requested termination of the lease. This account continues to show up on my credit as an active collection and needs to be removed. I have filed 4 different disputes none in which a signed agreement was provided. I need this removed from my credit immediately to secure safe housing. The apartment complex failed to repair and requested my move out prior to accepting funding from the XXXX rent relief. Funds have been sent in full prior to the open date of collection.

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 2023-06-14
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I entered a contract with the previous company known as XXXX XXXX XXXX. There was predatory actions noted throughout this transaction. 

XXXX ) The car was only worth XXXX but marked up to XXXX with the finance charge and other fees marked it up to more than XXXX XXXX ) XXXX was partially my means of income. The agent said that my XXXX  income wasnt important and it would be best to not include that in the application. After filling out the bulk of paperwork and after being there for XXXX hours, I was told that the car could not be used for XXXX  and that the paymenta were due every XXXX weeks along with the vehicle have a passtime device that woukd switch the car off if the payment was late. Being that I couldnt use the car for XXXX, I couldnt keep current on my payments which caused the car to be shut off multiple 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WELLS FARGO FALESLY REPORTED MY LOAN AS A REPOSSESSION FOR APPROX FUVE YEARS I COULD NOT GET A LOW or normal interest loan from approx XXXX to XXXX, even though my payment was always current. This caused extreme hardship when I tried to get a business and car loan. The report may have finally been removed after Wells Fargo ruinedmy credit and good name. I am asking for {$50000.00} in damages from the Wells Fargo settlement, or the maximum amount available. Wells Fargo was contacted multiple times and had the payment information but continued t falsely report my vehicle as a respossession. No one ever held WELLS FARGO ACCOUNTABLE FOR WHAT THEY dId and great emotional and financial hardship they caused 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The checks that was sent there was no Wells Fargo around they put a XXXX  day hold on my money from the government charged me fees for using their own atm I could never get intouch with anyone they never deposited my money until they wanted to and it was over due to receive it

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 2023-01-23
Company: EQUIFAX, 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:
I have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894. 

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : XXXX XXXXXXXX- {$29000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$780.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
At the end of XX/XX/2023 or early XX/XX/2023, I opened a Chase checking account using a promotional code. 

The promo code required a direct deposit to receive a bonus of {$300.00}. The promo stated that the bonus would be paid within 15 days after the deposit. 

On XX/XX/XXXX and XX/XX/XXXX, I made direct, payroll deposits into the Chase checking account. Over 30 days later, I have still not received the promo. 

I spoke to 7 or 8 Chase representatives on XX/XX/2023. Most of them agreed that I met the terms of the promo, but they kept transferring me to other representatives to actually receive the promo bonus. Ultimately, Chase never paid the promo bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Multiply times my account has had random amount taken from account with overdraft fees with no explanation from banking company. Ive called asking for explanation and every time and they say they can not answer my question at this time.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was coming out for no reason

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 2023-06-14
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing Inc is currently reporting on my XXXX, XXXX XXXX XXXX consumer reporting bureaus that I owe their company, {$380.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Convergent Outsourcing Inc & myself, legally listing Convergent Outsourcing Inc as a person/company entitled to enforce a commercial claim against me. On XX/XX/2023 ( document enclosed ) I mailed & faxed a letter to Convergent Outsourcing Inc . It was NOT a request for verification or validation. This letter was a demand for proof of contract to substantiate Convergent Outsourcing Incs claim to XXXX, XXXX & XXXX that I am indeed the correct person that owes {$380.00}. Convergent Outsourcing Inc responded back by mail with computer generated documents and NO documents contained my wet signature to substantiate their claim. Nevertheless, no document was notarized through the presence of a notary public, who duly swears the copy made ( and sent to me ) is in fact a copy of the original paper contract in question. I corresponded back by mail and fax on XX/XX/2023 and Convergent Outsourcing Inc has ignored my legal demand for information. Convergent Outsourcing Incs documentation provided is misleading. Convergent Outsourcing Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an account with wellsfargo in XXXX and i closed it down because my account would over draft for any type of fee.

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 2023-06-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is 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 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 2023-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been in touch with Carrington mortgage company several times this month ( XX/XX/2023 ) I called on the 7 to make a payment and they refused to collect a payment, I called again to make another and they refused to take payment. The company stated they want a full payment or nothing at all. I could not come up with XXXX on the spot, I can make a regular payment several times this month to fix the late payments enough times to get me caught up. So I collected the money up to pay the XXXX at once I called today ( XX/XX/2023 ) carrington refused my payment again and stated that they will only accept through XXXX XXXX or XXXX XXXX. This makes me really uneasy because unlike XXXX XXXX or XXXX XXXX I can track when the money is taken out of my account who it went to at what time. So now Im forced to do it through these companies because they are certified and they trust these funds over my actual bank account. XXXX the first rep try explaining why its better but I failed to understand how it is better, then the supervisor named XXXX was very very insist on just XXXX XXXX  or XXXX XXXX. They applied a balance that I have that is XXXX so the full payment will be XXXX. I have had two mortgage companies prior to this company and was never told I HAD to use certified funds to make a payment let alone be denied ever in making any payment when behind. Im conflicted on sending it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A few weeks ago I had issues with my card being declined due to fraud detection from me making a purchase. When I tried to make payment on things I purchased it declined for the same reason and charged me and extra amount of maybe a few dollars for each amount on top of what I owed when it finally went through. I ordered a new card but had never received it and a recent withdrawal of XXXX dollars was taken from my account a few days ago when I must have dropped it. My card was shut off after that and Im still waiting to receive my new card.

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 2023-01-23
Company: BARCLAYS BANK DELAWARE
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:
Never applied for no old navy charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I had made a payment of {$560.00} on my app at Wells Fargo when I logged in it had a notification if I had made these transactions I said yes they were my transactions on XXXX. Then I called Wells Fargo and I talked to somebody they said they were going to send me a six digit code through text message and when I got it I said it to them they put it into their system and they said no further action is going to be on my account. Then on XXXX they did a provisional credit for claim. I did not ask for this claim they did it all on their own because I had taken care of the claim supposedly on XXXX. And then on XXXX they took this provisional credit and claim out of my account and they put me in overdraft of {$560.00}.

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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Harley Davidson Financial Services Inc
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The first problem is the loan is in my Husband name. XXXX XXXX of XXXX XXXX XXXX XXXX, Ohio XXXX. It's with Harley Davidson Financial Services. I turned the motorcycle over to a bike shop to remove the add ons I placed on the bike and per Harley Davidson Financial I advise the bike shop owner to contact XXXX XXXX and get the bike. The XXXX  XXXX is not in my possession and I am still being harassed by Harley. I have given them XXXX number and address and told them to leave me alone. Please make them stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Company involved : PayPal Inc On XX/XX/XXXX I received XXXX payments, XXXX from XXXX XXXX and another one from XXXX XXXX for {$39.00} and {$11.00} which I didnt recognize or was expecting so I suspected were a scam. On XX/XX/XXXX I called Paypal to report this and was helped by XXXX. I asked her what to do with these payments as I suspected were a scam or stolen money, she advised me to refund the payments and that no money was going to be taken from me. I refunded them while I was on the phone with her. My balance on Paypal decreased when I completed those refunds. I realized the funds from the refunds were also taken from my bank account. I contacted Paypal but they are giving me the run around, the representative XXXX reversed the fees for those refunds which were about {$0.00} and {$1.00} but I would like Paypal to refund me the {$39.00} and {$11.00} to my paypal balance because they are already taking it from my Bank account. If refunding the payments was not the correct course of action, I should have been advised by Paypal when I called to report this. In addition there was another scammer who sent me a bogus payment for {$60.00} on XX/XX/XXXX and the the person filed a dispute claiming they didn't receive the item they bought from me. Stating they ordered from a website that has been XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a federally protected consumer I am aware of my rights and i am constantly violated by TransUnion, XXXX and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
WELLS FARGO- False advertising of auto loans, poor to bad credit ok! I remained at the same job for 12 years, great income, customer service kept saying I would be approved and denied and denied over and over again for a {$22000.00} auto loan on a brand new car, I applied for this loan in XXXX. I spoke with numerous different departments and was jut ran in circles. Countless hours wasted on hold!

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
They over charging me I tried to dispute a transaction where they over charge me server time with a rental car company an they was tell me that I cant when its wasnt clearly my fault now they i constantly calling me about a overdraft on my checking account with like XXXX dollars an fees

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