BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX  XXXX XXXX  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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 went to XXXX XXXXXXXX XXXX XXXX they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
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:
The other bureaus have not reported this account as " Late '' but you have listed this account with late payment status. It is also a closed account that is being reported as an open account. Under section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and also send me the name and addresses of persons contacted per regulations found in 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 explanation
Consumer complaint received 2017-10-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX, XXXX elderly man who is having issues with Wells Fargo, my mortgage company. My monthly payment has grown from {$800.00} to {$1600.00} without proper explanation. I have asked Wells Fargo to not pay my insurance because I pay it myself and they are still adding addition escrow payment onto my monthly payment. As a result, I am paying my own insurance and property tax, and so are they and yet I get no money returned to me. I have tried to work this out with Wells Fargo and to no avail. I am currently XXXX months behind on my monthly payment and while I was able to afford the original payment of {$800.00}, I simply can not afford {$1600.00}. This issue is greatly affecting my health and well being and I am seeking your help in resolving this issue. Thanks in advance for your assistance.

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 2022-03-22
Company: OneMain Finance Corporation
State: NY
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:
On the day of Saturday XXXX of XX/XX/2022, I was checking my rate with XXXX when I received a notification from XXXX that one main financial made a hard pull inquiry on my credit file. Ive tried many time to get in touch with them to have it fixed. They explicitly become rude and telling me to write on the letter and send it to XXXX before they will see if they will do anything about it. Im not interested by their product. I never allowed a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called capital  one  3 times requesting that my account be taken off of the hold and deleted from my record. They 're saying that they ca n't do that because of the hold. I have  XXXX  refund trying to go through, but it ca n't as it 's frozen. That refund would have covered the {$74.00} in negative balance. I have a police report attached stating that this has to be done or the criminal would have more access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Synovus Bank
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
I made an electronic check payment on XXXX XXXX, 2015 to First Progress for a secured Mastercard statement that was due on XXXX XXXX, 2015. I paid $ XXXX.This included a {$10.00} service fee for using customer service. The checking account that was used for payment was incorrectly inputted, with an erroneous " XXXX '' added at the end of it, which consequently resulted in the payment not going through. A week later, today XXXX XXXX, 2015, my card was declined at a XXXX. Upon contacting customer service, I was notified of this error. They refused to reverse any charges that occurred, including a {$38.00}, late fee, plus possible interest fees and returned check charges. 
I do not feel this is ethical on First Progress ' behalf. They at the very least owed me a phone call notifying me off this fact immediately, so that it could 've been rectified. I no longer wish to do business with them and request they reverse the late fees and any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had the same issue for over 8 months. 
When you pay online it never shows as a pending payment. In XXXX I first told the office of the president and they had to credit me back for a XXXX payment. I have been dealing with XXXX XXXX and XXXX XXXX. 

Until the payment posts you receive emails indicating that the payment is due and you continue to get reminders. When you go online you can not confirm the pending payment. Customer service can not see it. You have to call the complaint department for them to see it. They tell you the same thing we will IT know. 

When you make a dispute, they call you back in a few days and then note it has been resolved even when you have not spoken to someone since the initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I purchased a {$500.00} XXXX XXXX Gift Card XXXX at XXXX in XXXX XXXX. I have never been able to use this card as each time my transactions were declined. A couple of weeks later, I eventually checked the online account of the card and saw that 3 transactions have emptied the balance of that card. Transactions on XXXX and XXXX. I have never processed those transactions and the card has always remained in my drawer. On XX/XX/XXXX, I eventually filed a claim with InComm ( XXXX XXXX ) the issuer of this XXXX XXXX. On XX/XX/XXXX, I received a confirmation that the refund was approved and that I will receive a new card. Few days later, I have received a replacement card XXXX with only {$16.00}. I contacted again InComm but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident in which I was deemed to be NOT " at-fault. '' The case went through litigation and was handled and paid out from a lawyer. All involved parties were released and satisfied! Collection agency is reporting and re reporting debt after it is removed and deemed invalid. These debts are showing for the third time this year after being 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 2022-07-15
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened the account on XX/XX/2022. 
I began to fund the account from another bank account. I noticed some transfers were declined and others accepted and then the next time I checked my account was not only in the negatives but blocked. On XX/XX/2022, I noticed the block and began to contact the bank to understand why and maybe see if theres anything I could verify or provide to prove that there was no fraud or anything. Repeatedly, all of their agents said the same thing the account is blocked, there is nothing more I can tell you. Youll receive a check in 60 days. I am not in the financial position to wait 60 days for my funds especially when I have no explanation as to why this is happening. If the account could be unlocked just so I can transfer my funds back, I would close it myself. I trusted this bank with my money and now I have nothing.

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 2015-03-19
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went to Chase Bank XXXX XXXX XXXX, CA ( XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ), to access my safety deposit box. They were unexpectedly closed, and had a sign that said to set up an appointment online or call phone number. Okay, inconvenient but understandable. But online, that branch on chase.com did NOT have an ability to schedule an online appointment. OK, so i reached out to Chase XXXX support. They told me to email the XXXX with details about the location, customer name, address, and Box #, which I did. I got a reply that this location is not scheduling anything! Then they said if you can not reach anyone, then email the branch manager, but they didn't include the branch manager 's email address. Chase has essentially ransomed my safety deposit box illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Other

Complaint:
I double payed my American Express account on XXXX/XXXX/15 and XXXX/XXXX/15 in the amount of {$3000.00}. I called immediately on XXXX XXXX, and was told money would be wired back in 24-48hrs. I waited until XXXX XXXX called back they said it should have been done - they will look into it, give it a few days. I called again on XXXX XXXX, was told that a letter was sent out that name on bank act and credit card act did not match and money could not be wired. I confirmed names matched, and was told that money would be wired Thursday XXXX XXXX because of XXXX. XXXX XXXX I called and was told money was adjusted off my credit card and has a wire is in process give it until Fri or Monday. Checked Monday XX/XX/XXXX..no money. I called back they said they would send a inquiry to wire department. XXXX XXXX i called my bank they said to ask AMEX for wire confirmation and that is when i was told money was wired into a XXXX act. NOT MY ACCOUNT. Now no one returns my calls. Now they say it was n't my money posted to my account. All of the sudden they said they have no proof it was my money paid twice. Now I am getting run around. Everyone says they will call me but no one is calling me back. They have had my money for over 2 weeks. I have bank statement proving it was my money. Now AmEX says they need to investigate and it could take 8 weeks. I can not wait 8 weeks and its my money anyways!. I explained that they should refund my money and they can investigate and get the money back from the other customer on their own time. No one is goving me any real answers - they just say they have no authority but will not let me seak to someone who has authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: U.S. BANCORP
State: GA
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:
I received a statement on a credit card account dated XX/XX/20 and I did not apply for the account. U. S. Bank charged a fee of {$450.00} to establish the account. I immediately contacted U. S. Bank and cautioned them that I did not ask for this account and I would not be responsible for the membership fee or any charges made against the account. I began to research how the account was opened, where the account information about me came from and U. S. Bank 's complicity in this attempted fraud.

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 2016-02-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Dear Sir/Madam, I had a Citi Diamond Preferred credit card probably since XX/XX/XXXX approx. I went into financial problems in XX/XX/XXXX, and my debt at that time was for $ XXXX- {$15000.00} approx. Citi and I went into an arrangement where I have to pay the total of the debt with no interest for the entire term of the debt. We arranged a payment of {$250.00} per month with automatic withdrawal on the XXXX of each month. Even though I went over financial difficulties, I paid the credit card on time every single month for {$250.00} on every XXXX-XXXX of the month. XX/XX/XXXX, I changed my bank account ( XXXX accounts are XXXX XXXX XXXX ), and I forgot to inform Citi about this change, so when they withdrew the funds on XX/XX/XXXX, there were insufficient funds. Citi called me on XX/XX/XXXX, and I provided to them immediately my new bank information, and they were able to withdraw the funds ( {$250.00} ). After few weeks, I received a letter from City dated XX/XX/XXXX, where they informed that the payment arrangement has ended. Later I received my statement and noticed that Citi charged 27.99 % ( APR ) on this debt ( today the balance is only {$3000.00} - as of XX/XX/XXXX ). 

I called Citi today XX/XX/XXXX and Citi confirmed that the arrangement has ended and there is nothing they can do to reinstate the arrangement, and instead they will charge on this credit card 27.99 % APR. The employee that I spoke to was XXXX, Account Manager of Citi located in XXXX, Florida. As a courtesy she credited {$78.00} for one time ; however Citi will continue charging on this account 27.99 % APR. 

My complaint is based that Citi can not consider an arrangement breached because of a delay in the payment for 10 days that was unintentional. 

Sincerely, PC

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
The enquiries on my report are not authorized by, dont have any knowledge of it and I did not give approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: GA
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 disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, Experian is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : XXXX is reporting a status of 120 days late, Experian is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account XXXX XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Auto Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX  are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter 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 explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Wells Fargo is violating the privacy of individuals sharing credit info of individuals to local businesses to file loans or credit accts on their behalf without permission of the individual. I only became aware of the issue because I had an XXXX XXXX military alert on my credit report acct.

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