BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdrafts fees multiple times, sometimes for the same charge

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: GOLDMAN SACHS BANK USA
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX - XXXX XXXX XXXX ( account holder ) initiated an online transfer of {$4500.00} from XXXX @ XXXX account into personal checking account also owned by XXXX XXXX XXXX. 

XXXX XXXX - XXXX posted as transfer " XXXX '' in XXXX 's account however funds never arrived to the instructed destination. 

XXXX XXXX- XXXX submitted a dispute to XXXX claiming that the withdrawn funds were never sent to the external account destination. XXXX claims that they are not the responsible party since they see the funds as posted. XXXX confirmed with multiple departments at Bank XXXX XXXX that funds were never received from XXXX. 

XXXX XXXX- After several attempts, XXXX refuses to take responsibility of the missing {$4500.00}, confirm where in fact the funds were sent, or how they plan to rectify the situation. As of XXXX XXXX, the funds are still missing out of XXXX XXXX 's accounts as XXXX has seemingly misallocated or outright lost {$4500.00} of their customer 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX dollars for overdraft fees on times my account was not overdrawn

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 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Used a balance transfer offer on XX/XX/XXXX for {$5000.00}. Account was setup on auto pay to pay the balance in full so the balance was paid in full in XX/XX/XXXX. I called the bank, they refunded the amount that was paid & told me that balance will go back to the balance transfer offer. Unfortunately, the offer was not applied & I have been charged interest since XX/XX/XXXX. I have called the bank multiple times now but the issue has not been resolved.

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 2023-06-13
Company: Receivables Management Corporation
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:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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 company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge was billed twice by XXXX rental car on XX/XX/XXXX and XX/XX/2022. In XXXX I called capital one to dispute the charges. At the time they deleted the charges, just to hide the, inside the XXXX bill. No letter was received concerning this matter ( I do not have electronic content ). I called capital one again in XXXX after noticed the increased on the bill. They say XXXX was right even though they did not provided a service. Capital one requested more information and this was provided on XX/XX/XXXX. On XX/XX/XXXX capital one dismiss the case and charged the {$250.00} again, claiming the time to dispute the charge was expired. I requested talking to a supervisor and this was ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Approximately 3 months ago I applied for and received a Chase Sapphire Preferred credit card. I have charged and payed off over {$8000.00} the past 90 days. My credit score is around XXXX to XXXX. 

Over the past 60 days I have received multiple requests to apply for a Southwest Airlines credit card through Chase Bank. In each case my card applications have been denied and the reason given by Chase was, too many requests for credit or opened accounts with us. 

Can you help? I have the means to have multiple credit cards and a track record of paying my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions 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 company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
I have written numerous letters including, an identity theft report over the past two years and still EXPERIAN is reporting incorrect information on my consumer report. I have attached my consumer reports for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On each report the year XXXX reports different things each year and each year the terms change. Each year EXPERIAN continues to report inaccurate information and its defamation of my character. The information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. 
The generated report for XXXX XXXX-has no repossession and XXXX to XXXX of XXXX says data unavailable, terms 58 months, and balance {$21000.00}. 
The generated report for XXXX XXXXhas charge off from XXXX to XXXX of XXXX, terms 58 months, and balance {$22000.00}. 
The generated report for XXXX XXXXhas no data available for XX/XX/XXXX, terms 56 months, and balance {$13000.00}. 
The generated report for XXXX XXXXhas no data available for XXXX and XXXX of XXXX, terms 56 months, and balance {$13000.00}. 
As of now there are 42 negative charge off on this one account and a repossession in XXXX which none of is true.

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 2023-06-13
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making numerous principal curtailment payments. The last such payment of {$100000.00} made on XX/XX/30 was not applied and is not showing anywhere in my account. I have submitted proof of payment from my bank, but the lender/servicer has not as much as acknowledged my request to investigate from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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 belongs to someone else

Complaint:
I am a victim of identity theft. These items are not transactions conducted by me as 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

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 2023-01-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently tried getting my 3 free credit reports online at annualcreditreport.com on ( PUT THE DATE YOU TRIED TO GET REPORTS ). I was denied the first time online and now the consumer reporting agencies are using stall tactics to not give me my report as I requested. EXPERIAN, XXXX, and XXXX are using stall tactics after have gave them enough information to send me my credit reports/scores. EXPERIAN, XXXX, and XXXX are requesting my social security number which is a violation of the [ 5 U.S.C. 552a note ] ( a ) ( 1 ) in the PRIVACY ACT of 1974.

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 2023-01-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
To Whom it May Concern, I am writing to file a complaint against Equifax credit reporting agency for violating the Fair Credit Reporting Act ( FCRA ) by reporting outdated addresses on my credit report. The following XXXX addresses, as old as 18 years ago, are still being reported on my credit report in violation of the FCRA : 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  Pursuant to the FCRA, credit reporting agencies ( CRAs ) must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' ( 15 U.S.C. 1681e ( b ) ). This means that CRAs must have procedures in place to verify the accuracy of the information they receive from their sources and must investigate and correct any errors that are reported to them by consumers. Additionally, the FCRA requires that CRAs must " maintain strict procedures designed to prevent the reappearance in [ a consumer 's ] file of obsolete information which is blocked '' ( 15 U.S.C. 1681c ( a ) ( 5 ) ). After seven years, the information must be removed from the consumer 's credit report.

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information.

I, therefore, request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Equifax for its violations of the FCRA. I respectfully request the CFPB to require an update of my report to reflect the accurate and verifiable address and request the deletion of any information relating to any outdated addresses being reported. I further request Equifax to facilitate a copy of any changes to my report pertaining to this complaint. 

Note : I have attached copies of both my old and new driver 's licenses to facilitate this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WorldRemit Corp.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I sent money to my account in the XXXX and they want to get my bank statements but I cant produce that as my bank has no bank statements for the XX/XX/XXXX but only XX/XX/XXXX and they suspend my account and didnt return my money to my account in the amount of XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-01
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 disputed all the the following incorrect information below with the following credit bureaus : XXXX, XXXX and Experian. All three have not responded or corrected the errors on my credit report. Its been over 90 days including follow up letters with no response. 

XXXX 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX, two late payments XXXX. XXXX XXXX XXXX XXXX, one late payment 3. XXXX XXXX  4. XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) 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 EXPERIAN XXXX ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  ( three inquiries ) XXXX. XXXX ( two inquiries ) 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 2023-01-21
Company: EQUIFAX, INC.
State: FL
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 accounts listed below has violated my federal and protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXXXXXX ( 3 ) Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX 15 US Code 1681a ( 2 ) ( B ) states that the term consumer report does not include any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 USC 1681 Section 602 A states i have the right to privacy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies. It is the duty of the furnishers of information to provide accurate information.

1 ) PROHIBITION ( B ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency. If- 15 US Code 1666b states a creditor can not treat a payment on a credit card account, under an open-end consumer credit plan as late for any reason.

2021 IRS publication 4681 states '' Charge Offs '' when placed on a consumer report is defined as a gross or ordinary income. Income does not get reported on the consumer report which is in fact is what you are reporting as inaccurate information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a Wells Fargo customer from XXXX through XXXX. I was charged fees for using ATMs as well as overdraft 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
Consumer complaint received 2023-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( SPS ) charges a {$15.00} processing fee for every payment made on my mortgage loan, which I feel is unnecessary and excessive. SPS justifies this by offering the ability to mail a physical check or set up autopay instead. Mailing a physical check only serves to shift the cost from fees to postage instead. A box of checks is anywhere from $ XXXX {$100.00} and postage is incurred with each mailed payment. Autopay is not ideal in that it does not take into consideration potential timing differences. For example, the timing of when wages are deposited into a personal checking account may differ from when SPS processes the loan payment surrounding banking holidays and non-business days. Autopay also does not allow discretion when it comes to additional payments to principal or escrow. This directly contradicts my loan which states that I have the right to make additional payments to principal " at any time before they are due ... without paying a Prepayment charge. '' I am discouraged that I am unable to conveniently make payments without incurring costly processing fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  for ( XXXX ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : 15 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!

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