BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: DC
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 following companies did not had permission or authorization to request a copy of my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I demand the deletion of these inquires from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
UPDATE ON THE HOUSING FORECLOSURE MATTER. XXXX XXXX XXXX  XXXX XXXX. AGAINST. XXXX XXXX. 
LOAN # XXXX THIS TO BRING TO YOUR ATTENTION, THE URGENCY OF OUR SITUATION. XXXX XXXX XXXX  CALLED AND REQUESTED FOR A MODIFICATION. THE BANK GAVE US UP TILL THE XXXX OF XX/XX/2022 TO SUBMIT ALL THE REQUESTED PAPER WORK. MEANWHILE THE SALE IS THE XXXX XX/XX/2022. SO THE BANK NEED TO MOVE THE SALE DATE TO ALLOW TIME TO COMPLETE THE MODIFICATION .WE ARE SOLICITING THE YOUR OFFICE TO COMPEL THE BANK TO EXTEND THE LAW DATE TO XXXX. IN HOPE THAT YOUR OFFICE WILL INTERVENE. THANKS IN ANTICIPATION. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Connecticut XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 obtained a copy of my credit report through the app  XXXX   XXXX . I noticed that there was an account on the report that had several errors in it and I disputed the account online through TransUnion. I waited for an investigation result asking for verification of the documents that the credit bureau used to validate this account and none were provided when I called on  XXXX  to check the status of the report the agent told me that the results were given online and that the account was validated by calling  XXXX   XXXX  and they referring that the information was correct. I asked the agent again what documentation did TransUnion have at the time that they validated this account and I was referred back to obtain documentation from  XXXX   XXXX  I asked to speak to a supervisor because I was aware that I could ask for validation of an account and the documentation that was used the agent told me that they were within the correct reporting rights and that there was nothing that she could do. I asked to be transferred to a supervisor the supervisor then told me that the account by verbal confirmation was validated through  XXXX   XXXX  again asked her what information did they have in their files at the time that the information was given she notified me that there was no documentation given. I told her that this was a violation that there are several components that need to be verified before the account can be placed on the credit bureau she again told me that this is within the rights of the credit bureau I told her that if she did not have documentation or could not provide any that the account needed to be removed until the documentation could be given. She said that she would not do that and I told her that I will be filing a formal complaint

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 2017-06-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX    XXXX ,2017  I went to ATM to take {$200.00} off my acct. Transactio n declined but American Express still debited my acct  for  XXXX  and ATM fees. I called them they told me I must dispute it. My AE bank acct was finally credit back my funds of {$200.00} almost 3 months later on  XXXX   XXXX ,2017.      XXXX    XXXX ,2017  I seen  XXXX  unauthorized transactions on my account from a company that wrote my card info down for  XXXX  and  XXXX  I calle d American Express Ser ve and told them they were unauthorized why these charges we 're still pending they told me a stop payment could n't be done and I had to let the thief 's take my money and to do a dispute once the transactions we 're completed.      XXXX   XXXX ,2017 I filed a dispute for both the unauthorized transactions  XXXX  and  XXXX  and was told it could be up to 45 days before my money was credited back to my acct. My card was canceled and a new one was supposed to be sent out so this could never happen again.    XXXX    XXXX  ,2017  American Express  credited my account for  XXXX  &  XXXX   XXXX    XXXX ,2017  Before I even had the chance to remove my money from my acct  American Express let th e same thief 's that stole from me before clear my account again. I called them right away as the unauthorized transaction of over  XXXX  is still pending asked them how this was possible if they canceled my card and they told me my card was never canceled and I had to wait for the unauthorized transactions to go all the way through and reopen another dispute. American express let the same thief 's that I just had a open dispute with clear my account again. So now I have to wait up to 45 days again for my money to be credited back to my acct and that 's if they give it back. Because of this my lights we 're turned off & me and my  XXXX  kids were evicted from our home. They have no sympathy for there mistakes nor do they care anything about there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I sent a letter to the XXXX credit bureaus, asking them to correct errors on my credit report. I promptly received responses from XXXX and XXXX XXXX showing the corrections, but I still have not receive ANYTHING from Equifax. I 've even sent follow-up letters. Still : No response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX This account was indeed opened by me in XX/XX/XXXX for windows for my home. The line of credit was through Wells Fargo for XXXX XXXX. 

1 ) The account was paid in full by me on XX/XX/XXXX. Wells has not reported the account as paid in full and current. It has been over 30 days since the payoff and well over 30 days since the last update by wells. 

2 ) My credit report shows there is an outstanding balance of XXXX dollars. This reflects poorly on my credit file ; reflects poorly on my creditworthiness, increases my debt to income ratio, and lastly decreases my FICO and overall credit score. This has resulted in my recently being denied credit with several merchants. 

3 ) it shows my monthly payment was XXXX however my monthly payments were only XXXX this has been inaccurate and needs correcting. 

4 ) I keep receiving unwanted emails from wells stating I have an upcoming payment due this needs to stop. 

5 ) I was within the last week denied credit with Wells ; this is discriminatory as I have paid that account with an EXCEPTIONAL PAYMENT HISTORY. see attached.

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 2022-04-01
Company: Experian Information Solutions Inc.
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:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: MS
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:
Equifax will not remove fraudulent hard inquires on my credit report despite me disputing multiple times. I have mailed in the requested documents ( letter, ID, police report, FTC report ) on 4 separate occasions, including a fax. They continue to tell me they have not received my documents and that I need to mail them again. I have delivery confirmation and fax received confirmation. I have been given run around for months and have been lied to by multiple representatives of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was notified by the credit card company that the XXXX credit card will be closed if do not charge {$1000.00}. I didnt and was issue a Rewards credit card. When I changed on the new card for the first time and sent the payment to the same po box that I have used since 2014, it didnt get processed and to this day it is unknown what happened to it. I was never notified of a payment address change nor if the address change had anything to do with going from XXXX to a Rewards card. 

I called the credit card company regarding the issue informing them of the payment and asking for address verification several times but there was silence. I was given a fax number to fax proof of payment to, which I did. I never heard back from them. During the first call I told them without address verification I will be blindly re-sending the payment and my next payment as well. Again nothing said. 
I canceled the first payment then resent it and the next payment to the same address hoping that the first payment had only got lost in the mail. The resent payment disappeared and the next payment was sent back to my bank. Wells Fargo was sent proof of payments but refused to accept them stating they want my bank account statements. No, no one looks at my bank account statement but me and the shredder. I feel wanting access to my bank statements is a major invasion of privacy. It would tell them who I work for, how much I get paid, where I shop, where I like to eat, who I pay my bills too and much more. That is way more than they need to know for proof of payment. 

I made two calls to them with the first one wanting the address verification, I got it on the second call. I went to Wells Fargo and made the payments to make sure there would no more issues. They gave me the number to call and make a formal complaint which I did. Next I responded to the investigation results from the formal complaint call.

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 2019-12-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Experian 2017 breach I froze my personal credit reporting accounts with all three agencies. XXXX XXXX the best to work with and is always a simple matter to open and close freeze at will or view data. XXXX  in second best and not to bad to access. However Experian makes the matter of opening and closing a frozen account very, very difficult and recently I wanted to open a " my account '' with SSI but could not do so because I could not get Experian to unfreeze my account, albeit temporarily. They attempt to force you to buy their monitoring system 's instead of just making the matter of access easy to use, but rather they require burdensome and slow methods of mail in forms and other hurdles not required by the other two companies. In my view they are the worst and the CFPB should investigate their corrupt and dishonest business methods, after all they were the ones who allowed millions of consumers information to be breached an now instead of being consumer friendly EXPERIAN makes life more difficult.

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX 2017 our title company sent a payment to Capital One as part of our closing agreement. When the payment was n't posting and Capital One could n't give information I called the Title Company in the XXXX week of XXXX. They told me the check had been returned to them ripped up even though they had followed Capital One 's procedures listed on the statement and they had reissued another check to them. I called Capital One and asked to speak with a supervisor. I spoke with XXXX ( ID # XXXX ) she assured me she would make sure they received the check that the title company issued for my account and my husbands account and she would make sure an interest fee was not applied since the original check would have made it in time to pay the accounts. She told me if she could n't find the check or there were other issues with the way the check was submitted by Monday XXXX XXXX she would contact me. I then closed both Capital One accounts. On XXXX XXXX Capital applied both payments ( one for my account and one for my husbands account ) to my account causing the closed account to be overpaid and my husbands account not paid. Rather than trying to deal with Capital yet again I figured a check would be issued back to me and we could pay my husbands account over the website. On XXXX XXXX I went to the website to see that instead of issuing a check to pay back the over payment Capital one had charged an interest fee. I called and spoke with XXXX ( ID # XXXX and then she told me ID # XXXX ) she told me that they would refund the interest fee and issue a check by Friday XXXX XXXX. By XXXX XXXX the account had nothing showing the interest fee returned and no check being sent out. On Saturday XXXX XXXX I again called Capital One to see what was going on. I was told that a interest refund had not been submitted and the agent talked with her supervisor and came back on the line to say instead of refunding the {$49.00} interest charge they just applied a {$50.00} credit and the check would be mailed out. The account is still not showing the credit and a check has still not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In early XXXX, I noticed a 15 % cash back offer, up to {$100.00} maximum on my Chase Freedom Unlimited Card for XXXX XXXX XXXX XXXX. I was excited since I wanted to book a hotel for a vacation and with this offer, the hotel I wanted was the cheapest by far. I booked the hotel, the XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with the intention of getting the cash back offer that expired on XX/XX/XXXX. I thought all was well until the charge was posted on XX/XX/XXXX or XX/XX/XXXX and I didn't receive any news of any cash back, thus I called Chase a few days after ( on around XX/XX/XXXX ) to escalate a complaint to check that I should be getting my cash back. Today, on XX/XX/XXXX, I was informed that a letter was sent on XXXX informing me that the offer was not applicable since the charge posted on XX/XX/XXXX, which is past the deadline of XX/XX/XXXX, of which I have NO control over ( and I booked it on XX/XX/XXXX - well in advance of any XXXX hour holding periods ), and nobody was able to help me get the cash back offer I am entitled to. I even had another offer, activated a few days after the original one expired, expiring on XX/XX/XXXX, for 10 % cash back at XXXX XXXX, up to a maximum of {$100.00}. This offer also did not apply. Either way, I am out of the cash back I was promised and would have booked another hotel if I had known that I wouldn't be receiving any cash back from Chase, even though I made the transaction WELL before the expiration date of XX/XX/XXXX and definitely well before the second offer expiration date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: OK
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 multiple requests to have student loans removed off my credit report. I have submitted proof that this needs to be removed. I have had to call multiple times. Im tired of deal with this. It should have already been 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 non-monetary relief
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Capital One at the advice of XXXX  to have them request to have a credit card account added back to my credit report. A supervisor from Capital One stated that they don't work for XXXX  and that they do not send requests. He stated that XXXX  is responsible for adding the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: OH
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 paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
State: TX
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:
I filed a dispute with Wells Fargo fraudulent charges online online gaming websites now they're saying it's gambling websites. Wells Fargo has not made it easy for me to dispute any of these charges we're talking about hundreds of charges repeatedly charges daily overnight {$300.00} at a time if that doesn't look suspicious to you why wouldn't you call me why wouldn't you text Wells Fargo knows my spending patterns why would they let someone drain my account in two or three days back to back I got a lot going on XXXX has not made anything easier I was even in the hospital for a couple days and what am I supposed to do I made them aware of what when it happened and I tried to call me as soon as possible and they have done everything to deter me we're talking about dispute and XXXX in one another dispute that is not include overdraft fees that they charge me why are they doing this and how can they get away with it cuz I'm nobody

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