BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had an issue with my bank check account, Some one try to access my account and ordered a check under my name, my bank send me an email that I ordered a check book. I called to my bank and let them know that I didn't order. My bank and I know that some one try to access and get money from my account. My bank closed the old check account, and send me a new check book with a new number. After I received the new check book, Someone use my old check and get XXXX on XX/XX/2022. It is a fraud. I haven't use a check for a long time. My Issue is after the old check account is closed and my bank told me not to use it, How come they allow someone to use that check. To me the bank teller make a mistake. After I called and told them on XX/XX/2022 they told me they blocked it after the damage is done. I called today to the claim office, the person told me that I have to wait 90 to 120 days to get my money back from another bank. If the other bank can't give me the money Wells Fargo can't do any thing. The other bank is that the person checked the cash and took the money out. The claim office told me that is a lost check but it wasn't. I didn't tell them that I lost check. My bank Wells Fargo can't help me with this Issue. The reason I am writing this is because my Bank made a mistake and allow to access the old check. I would like my bank Wells Fargo to pay me my money back.

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 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Someone applied for a capital one credit card under my name. The fraud department removed the application but I still want to know who has my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS UI.S. BKPT CT XXXX not mine

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-03-12
Company: United Accounts, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a resident of Maryland and being around the DMV, my entire life. After high school, I decided to join the XXXX, upon my graduation from high school in 2016. My recruiter was stationed in North Dakota XXXX, according to the timing for deployment that was the earliest. I drove to North Dakota met my recruiter her name was XXXX, she advised that I should be in North Dakota for some preliminary training before deployment for approximately three months. She recommended and drove me to XXXX XXXX apartments in XXXX for a short-term rental, the rental was for three months and We had anticipated I could be XXXX within the time frame. I did get XXXX within the time frame and left for XXXX XXXX. Returning to my then station, check my credit and realized XXXX XXXX had sent my name to XXXX XXXX for owing rent. I explained that I am exempt under the XXXX XXXX XXXX XXXX, but theyve kept this wrong information from XXXX till now. Every time I call, I will be treated with gross respect and insubordination, they will insult me calling me all sorts of names. Reiterating they will never take this wrong information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Lendmark Financial Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Harrassing phone calls daily, leaving threats that they will procicute for not being able to make my payments on time. I 'm struggling with my finances and payments are higher than disgust. They approved me without properly evaluating my credit reports and refinanced a previous loan at a ridiculous interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016 I checked my credit report on XXXX XXXX and had a total of 24 hard inquires removed from my credit report. I checked my account again on XXXX XXXX, 2016 and all 24 hard inquires were placed back on my account without sending me a reinsertion letter as required by FRCA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and I should simply file a complaint because they will not fix 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 non-monetary relief
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT I HAVE BEEN GRAVELY AFFECTED AND MY SCORE IS SUFFERING AS A RESULT. NO NOTICE WAS EVER GIVEN WHICH IS ALSO A VIOLATION AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED : XXXX XXXX, MN 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 2016-05-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Complaint Type : Product Issues Description of Complaint : I had three cards with this Citibank, but in 2020 EVERY MONTH they reduce my available credit limit. This impacted my credit score by lowering the available credit to debt ratio. One of my other banks increased my available credit during the same time period. Because of Citibank actions alone, I suffered from a declining credit score every month. I was able to close out two of the accounts to slow down the damage, but I have one card left. I suspect as soon as I get rid of this card my credit score will rebound quickly. I have many banks all in great standing, this is the only bank I have had issues with. 
I feel like they are in direct violation of the Consumer Financial Protection Bureau and Federal Trade Commission 's Division of Credit Practices policies as my credit has been harmed by their actions and none of my own.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Had unnecessary info delete or do I go on XXXX address pay XXXX 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 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
More than 10 years ago, I had XXXX student loans through XXXX. The XXXX loans were consolidated and completely paid off ; however, XXXX reports that XXXX payment was not made back in 1993. The XXXX XXXX accounts were consolidated and I was only supposed to make XXXX payment on all XXXX accounts. I am astonished that the account is still being reported negatively even though the XXXX accounts were completly paid off as XXXX account. 

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 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I go online to make payment, every time have to add bank info including routing and account number. After going through the complete lengthy process and you click make payment it says something went wrong to check back later, This has been going on for months since the merger of BBT and Truist. Also if I try to make an additional principal payment it says you can only make an additional principal payment within 24 hours of the payment due date which incurs additional interest for me as they will not accept that additional payment. Please help, I only want to be able for them to accept my loan payments. Also to make a payment I have to call Truist and the hold times are always in excess of 30 minutes. This is unacceptable they always apologize and say they are working on the problem but to no avail. 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 2020-03-17
Company: Experian Information Solutions Inc.
State: AL
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}

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 2023-04-17
Company: DISCOVER BANK
State: PA
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:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i sent transunion a dispute letter regarding unverified and inaccurate information on my credit profile via XXXX mail service. Based on my rights as a consumer I wanted to know how did transunion conduct and investigation of this manner and who conducted it. Ive waited 30 days for them to conduct an investigation. I am now recieving a letter on XX/XX/XXXX stating my results of the dispute.

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 2022-10-13
Company: Experian Information Solutions 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:
An account on my consumer report is reported as charge off status and that should not be on my consumer report. According to the IRS any companies cancelled or charged off debts should be filed as a 1099-C and written off as income. By law its iiegal to to furnish this on a consumer report. I demand this account be removed.

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 2022-10-13
Company: EQUIFAX, 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 a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from AD ASTRA REC. I had previously disputed this account. I have never done business with AD ASTRA REC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA REC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA REC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently called to check the status of the XXXX dispute I sent to Transunion in regards to public records entry on my file. I have advised numerous times that although the bankruptcies were filed, They are no mine. XXXX has verified that the public records were not mine and have deleted them from my credit file. I was advised that I have to contacted the XXXX and was advised that they advised that I did not file a bankruptcy with them. I have contacted both courts and was told that they do no furnish any information to the credit bureaus or any 3rd parties. As working in a law firm, in order to access public information for " legal '' use, you must complete a form and indicate why you are seeking this information. I have been told a number of times that an electronic message is sent from XXXX to the courts directly. Each time, the " courts '' send back a message starting that they are verified. I then ask for the name and telephone number of the individual at the court that verified the information, and the bureau is unable to provide that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal Suddenly send an email that they put my account into a limitation on XX/XX/2022 even though the last payment i received was on XX/XX/2022 and it was all good

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We feel we were not treated fairly by Comenity Bank on our Arhause Archarge Credit Card. We had mad a large purchase and took advantage of a 0 % offer. We knew we had to make pay off by the end of XXXX consequently on XX/XX/2020 we made a payment of {$4200.00} on our account. I was traveling at the time, unfortunately the amount I needed to pay was {$4000.00}. As a result of this human error of not paying {$72.00} we were charged {$830.00} in interest charges. When we were made aware of this we immediately contacted Comenity to get it resolved. Although they appeared to feel sorry for us they claimed there was nothing they could do stating if they reduced the fees for us they would have to do it for others. We escalated the matter to several mangers but no resolution. We spent over two hours on phone/hold trying for a fair resolution. We were told by Arhaus management  to keep trying because they knew for a fact they had made concessions in the past for other customers even with amounts significantly greater than {$72.00}. We continued to resolve with Comenity with out success, as a result we are pleading with you to help us in this situation where we feel we have no control but the bank is charging us excessively,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation