BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When  XXXX  made the change from   XXXX   to Visa,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX    XXXX   credit score monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fe e ( automatically ) on that card, and was never told about it. By that point my payment was about 6 months late and h ad an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX   dealt with this situation poorly.     However, this event has turned out to have a profound impact on my credit score. The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: ADP Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
To wisely Hello my name is XXXX XXXX I contacted you guys 4 times and nobody picked up the phone I was calling because Im missing over {$70.00} from you guys from a refund and the money was gone and the transaction I would like to talk to a manager to get my money back and its random transaction that I didnt go such as XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Early Warning Services, LLC
State: LA
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 honestly don't know when this started but I just checked my credit score and it was and then I got a letter in the mail saying lack of sufficient relevant account information I have too many collection agency accounts that are unpaid etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I heard about my grandfather writing a will for me stating that all his money and businesses went to me im recently hearing about this heard my aunt asked my mom for my information to get an id card for me and ended up doing fraudulent accounts with other people idk that family and tried keeping this XXXX a secret from me so I wouldn't know about my riches or businesses under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We were refinancing  our 1st mortgage with a REPUTABLE company, NOT WELLS FARGO ( getting away from  XXXX  ) - Wells Fargo just happens to have a minority stake in our property through HELOCS - In our CLOSING agreement on our new 1st mortgage, we discovered that Wells Fargo EMBEZZLED {$250.00} from us - when we complained to them that they conducted MORE fraud against us, all of a sudden this {$250.00} was some sort of a " fee '' - WELLS FARGO CA N'T CHARGE A FEE IF WE ARE N'T DOING BUSINESS WITH THEM - ESPECIALLY WITHOUT ANY ADVANCE NOTIFICATION ... that is stealing. They have a fiduciary duty to us, as ALL of our bank accounts are at WELLS FARGO ... Had they actually informed someone of their intent to charge this " fee '', we would have  absorbed their loans into our NEW MORTGAGE ...     I have already had fraud committed against me by  WELLS FARGO in the " New Account '' SCAM that they were conducting and previously fined for - Their  most recent fraudulent actions involve skimming off of transactions that they have nothing to do with - They were NOT entitled to our  XXXX , LET ALONE to steal {$250.00} from us in the process. AGAIN, we were NOT doing business with them. They had NO RIGHT to request any information or issue any " fees '' - primarily because no one was doing business with them. YOU NEED TO CHECK THIS OUT, BECAUSE I GUARANTEE THAT WE ARE NOT THE ONLY ONES THAT THEY ARE DOING THIS TO ...     Their response to the fines that you have previously issued to them is reprehensible - They merely treat the money as if it 's payola or some type of licensing fees to enable them to continue the fraudulent abuse and theft that they routinely conduct against their consumer account holders. Because they know there is NO CONSEQUENCE.     Fines are not enough - CRIMINALS NEED TO BE CHARGED with their crimes!!!     And by the way : Did you EVEN BOTHER to notice that there are MORE COMPLAINTS on your site AGA INST WELLS FARGO, THA N ANYONE ELSE ...??????? By far - all you need to do is look.     CLOSE THES E STAGECOACH ROBBERS DOWN!!! TRUMP 'S PETTY  CASH BOX.

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 2017-05-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When  XXXX  made the change from  XXXX  to  XXXX ,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score  monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fee  ( automatically ) on that c ard, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on m y credit score . The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

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 2016-12-22
Company: U.S. BANCORP
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My hole family is Fake and drug government workers my XXXX then XXXX XXXX XXXX timers a year XXXX XXXX shot Bipolar time XXXX worked XXXX Shot down WTC planes his Ex wife Husband XXXX work XXXX my Dad Installed Switches Nuclear Subs then ran XXXX foot computer screen of XXXX XXXX XXXX my XXXX XXXX Dad makes XXXX email Launch and XXXX Generator Blew up XXXX XXXX in XXXX same XXXX did XXXX XXXX XXXX XXXX, XXXX 's XXXX cleanup World Trade Center putting humane hearts in " XXXX '' XXXX Nuclear Reactors freezer Banks melt. 
I have only XXXX Cousins close XXXX my Age Berger-man, XXXX XXXX wife XXXX XXXX relative and her Mom serve my school lunches XXXX Employer build XXXX Nuclear Storage Facilities. 9 years I dated XXXX XXXX a XXXX XXXX XXXX XXXX Department worker at XXXX received XXXX XXXX XXXX handle Nuclear Weapons and XXXX ran Port Authority Building fore the XXXX XXXX after XXXX. XXXX relatives provide Missile Silo Steal Both Sides of family run XXXX XXXX XXXX. XXXX XXXX work XXXX XXXX lived across school and beat me up in Lunch room XXXX XXXX buy are Farm lots then XXXX work XXXX in XXXX many XXXX switches with XXXX Atom Building Half world wide reactors. My XXXX XXXX XXXX owned XXXX Dealer, XXXX across XXXX and XXXX XXXX his Brother Vice President Farmers Insurance across XXXX then sold Children 's Books, XXXX XXXX XXXX across Bank XXXX XXXX XXXX XXXX XXXX founded and Largest US XXXX Hanging Mom on XXXX Comity with XXXX is XXXX XXXX. My Relatives own Millions XXXX 's corn fields and Sleepy Eye Treaty Site gave Both sides of the XXXX Mississippi. XXXX XXXX XXXX of XXXX My other grandpa XXXX XXXX settle took Indians XXXX over a cooking Pot then Sold Farms during farm Crises and Worked fore XXXX founder of the XXXX XXXX and Veterans of Foreign Wars, XXXX XXXX XXXX XXXX were Social Security is now. 
I built US Bank, XXXX House elevators Restaurant tunnels XXXX kidnap people in My Brother XXXX wife XXXX work XXXX mechanical hearts XXXX XXXX XXXX Presidents Circle, In between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Software most Architects used from XXXX Avalanche Software there old building buy XXXX XXXX XXXX 's only XXXX rated XXXX hotel XXXX XXXX Main Speech XXXX XXXX ran Dissolution of XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY.

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 2017-05-11
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: Account status incorrect

Complaint:
RE :  XXXX  and Transunion Credit Report   XXXX   XXXX   related creditors are still listed/showing on  XXXX  Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor ( s )  XXXX / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have   XXXX    District Court of Florida discharge documents as well to substantiate my claim.

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 2017-05-11
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I inadvertently  made two payments on my home equity loan. This was my fault, not theirs. What is fraudulent on Chase is  the way my funds were applied. On  XXXX , an automatic payment of {$420.00} was pulled with interest applied of {$220.00} and {$200.00} applied to principal. This I do n't have an issue with.     On  XXXX   XXXX ,   XXXX  , my banks bill pay sent an electronic payment of {$500.00}, again this was my error, no t Chase or my bank. What is wrong is that of the {$500.00} payment, Chase applied  only {$290.00} to principal and another {$200.00} to interest! Interest owed was at most {$21.00}, not {$200.00}! In addition, they are billing me another {$230.00} for  XXXX .     This is just flat wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: DE
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 balance transfer

Complaint:
Bank of America is applying my monthly payment to my 0 % transfer balances first and then applying whatever is leftover above the minimum due, to my 15 % purchase balance.   This seems in direct violation of th e 2009 c redit card act? Where payments must be applied to the highest interest balances first?

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 2017-05-11
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS

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 2017-05-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
RE :  XXXX  and  XXXX  Credit Report    XXXX   XXXX    related creditors are still listed/showing on  XXXX   Credit R eporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s )    XXXX  / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   Court of Florida discha rge documents as well to substantiate my claim.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me 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 non-monetary relief
Consumer complaint received 2015-11-14
Company: Bliksum, LLC
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Loanme.com solicited me for a business loan.I sent them bank statements and personal info as well as business info.I asked to borrow XXXX.They came back with an interst rate of 132 %. Not sure that is even legal.I specified that I was looking for a legit offer and not something predatory.I did not want to submit info if it was a waste of time.If I accepted the terms I would have to pay back XXXX.Really? What kind of outfit is doing business here?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Nationwide Recovery Systems, Ltd
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nationwide Recovery Systems  calls daily with harrassing calls. The caller will not provide any information about the reason for the call unless I provide them " required '' semstive personal identifying information.     The callers state different versions of what is " required '' and are aggressive and rude.     I state that I do not provide identifying information to strangers calling my home and ask them to stop calling my home.     The calls continue- sometimes twice daily - and today I was told that the calls will not stop until give them the " required '' personal identity information.     I do not have any past due obligations of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX / XXXX /  XXXX   I made out a check from my business account,  XXXX   XXXX   XXXX , to  XXXX   XXXX , who never received the check. On  XXXX / XXXX /  XXXX   someone cashed this check through   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   accepted the check without an endorsement on the check.  People 's B ank then in turn received the check and paid out the {$800.00}. They are advising me that   XXXX   XXXX   XXXX   is doing  a Fraud i nvestigation, but in the meantime I am out {$800.00}.     It has now been 5 months and I have threatened  People 's Bank that  I am taking my money out of their bank. They now have given me the {$800.00}. temporarily, until   XXXX   XXXX   XXXX    do es their investigation. If   XXXX   XXXX   XXXX   does not give them their {$800.00}, they are taking the {$800.00}. back from my account.     My complaint is, why am I out {$800.00}. when both banks were not supposed to cash that check without an endorsement? They and their employees were not diligent and they should be out the {$800.00}, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Lake City Credit
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at approximately XXXX I received a call from a gentleman with a foreign accent informing me he was calling me to collect a debt from XXXX of which I have no clue what he is referring to. He controlled the entire conversation, and was very rude. Every time I would try and say something he would over talk me until I had enough and finally raised my voice and told him that since he wouldn't let me talk the conversation is over and I hung up. He immediately called me back asking for me for my current mailing address. Mind you I don't know who this guy is or what he is talking about and I'm not about to give out my info, the address he had was my old address. I did give him my email and he sent me a debt collection for a card totaling over $ 11K+ My credit back in XXXX didn't warrant a card with that much credit. The info of the debt collection says the current balance is {$11000.00} but would settle for a single payment {$1200.00} if payed by XX/XX/XXXX and if not payed by that date they will pursue for the full amount. Again, they are talking about a card debt I don't know anything about from 12 years ago that I haven't heard a peep about ever.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation