BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX over XXXX XXXX dollars of fraudulent charges were made on my AMEX card. I disputed them. AMEX did not do their due duty to me by making me aware of unusual charges as is their promise on their website. Now my account has been turned over to collections. I have a 35 year history with AMEX. Always paid on time and in full for 35 years. Common sense would tell them that I did not make these charges. In XXXX of XXXX I was notified by XXXX XXXX that my information was stolen from their database through a hack on or about XX/XX/XXXX. AMEX was not interested in seeing this notice and did not want a copy. I have written to the powers that be in HQ about the situation and my only reply by AMEX was via phone saying that they aren't changing their decision. I have repeatedly asked for a written explanation for their decision to hold me accountable and they have refused to provide that. Know that AMEX was not the only entity involved in the theft of my identity. XXXX CC was maxed out, my savings and checking accounts drained, my home equity loan maxed out and a XXXX credit card was opened in my name without my permission with charges made on it. One of my VISA cards was sold to someone locally who went on a spending spree at local mall at a time when I was out of town. ALL companies have made me whole except for AMEX. Reports made to police, FBI, ID theft.gov., all credit Bureaus and FTC . Now I suspect a collections agency will be coming after me even though I have sent the collection agency copies of everything.. This nightmare never ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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 use Wells Fargo for all my banking needs and have been a member for many many years. On XX/XX/XXXX I used my bank to transfer {$400.00} ( via Wells Fargo app ) to pay for concert tickets via XXXX. By using my Wells Fargo acct I was under the assumption that my money was insured and secure. The transfer went through. I never received the tickets and the person I was purchasing from declined my calls. I called the bank an hour after the transaction and they said they are unable to cancel it. I also filed a police report. They said they will investigate it. After 2 weeks, I received a letter saying they are not responsible and will not reimburse me even though I used their app XXXX for Wells Fargo.

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 2023-07-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is with Comenity XXXX XXXX XXXX fraud open on date XX/XX/23 with amount of XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: T.S. Holdings
State: NC
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:
This creditor IQ DATA INTERNATIONAL is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe IQ DATA INTERNATIONAL Any Money and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( IQ DATA & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, ALSO IF SUCH CAN NOT BE PROVIDED I DEMAND IQ DATA INTERNATIONAL TO BE PERMANENTLY REMOVED, DELETED FROM MY CREDIT REPORT I also demand a response from IQ DATA within 5 days as listed in the terms of the the consumer book! kind regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
State: NJ
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 system is marking my account late for a payment I made. As you can see XXXX is the month I'm being reported late for and it is the month I paid over $ XXXX in agreement to have this removed. Attached : Payment image shows the payment date. The Experian images will show the date I'm being reported late for. I should not be marked late for the day I made the payment. This is ridiculous. This is the only late mark on my account and it's not even accurate. The XXXX images will show the date I'm being marked late for but it's the day I made the payment to have this 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 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called BOA on XX/XX/2018 and wanted to make a payment and setup a RPP. the agent advised me she was not able to setup a RPP because their system was down. She took my name and nymber to setup a call back. no one called me on XX/XX/2018. i called on XX/XX/2018 for same issue., The agent said their system was down and would have to call me back. no one called me back. i called again i left a message to my SPOC to call me. He never called me back either. on XX/XX/2018 i called to speak w/Manager, which was not avaialbe. The agent took my payment and then stated she could not setup my RPP plan after she took my payment. I told her that was all the funds i had because i wanted to use them for the RPP. She said a down pmt was not required and i said that was incorrect they have always asked for a down pmt. so the call was then disconnected. So now i am due for 3 payments plus my XXXX pmt and i paid {$500.00} on XX/XX/2018 and still have no RPP on my account. I can afford a payment of {$800.00} to help me bring my acct current, I wanted to give my financials over the phone and she said i had to fax them. so much is required for a RPP when back then i could just call and get that taken care off. I need some of my late fees waived and set my acct on a RPP.

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 2023-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: U.S. BANCORP
State: GA
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 have tendered 7 negotiable instruments to U.S. Bancorp c/o ELAN FINANCIAL SERVICES for a MASTERCARD and XXXX XXXX charge card on the following dates : XX/XX/22 two money orders ; {$600.00} & {$6000.00}, XX/XX/22 2 endorsed A4V statements ( delivered XX/XX/22 XXXX ), XX/XX/22 XXXX endorsed XXXX and conditional acceptance ( sent to XXXX XXXX c/o ELAN XXXX, XX/XX/22 XXXX accepted and mailed to ELAN for {$16000.00}, XX/XX/22 XXXX endorsed A4V. 
ELAN FINANCIAL SERVICES has admitted receipt of tender on two occasions but has not applied the amount to the balance, and the instruments have not been returned. 
A notice of fault has been mailed to the CEO and CFO and a response has followed disregarding the tender and full satisfaction of the account. 
In addition to their DEFAULT, ELAN has incorrectly and fraudulently reported a late payment to the credit bureaus in violation of 15 U.S. Code 1681g. I have also requested a w9 and 1099-oid, full accounting and my request has been REFUSED on 3 occasions. 
U.S. Bancorp c/o ELAN FINANCIAL SERVICES is in violation of UCC 3-104 , 3-306, 3-311, 3-603, and 15 U.S. Code 1666, 15 U.S. Code 1681sec. - 2 ( 7 ) ( A ) ( E ). 
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX and XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a vehicle purchased back in XX/XX/XXXX from a dealership and being that at the moment my grandfather didn't have credit my information was used as the account holder and my grandfather was the co-signer on property in question. My grandfather became sick back in XX/XX/XXXX and I was taking care of the payments for him until XX/XX/XXXX he passed away. I did call and speak with an Santander Customer service rep and I informed her of what had taken place. Maybe about a month after the vehicle was repossessed. According to the Fla Statute 537.012 I wasn't  informed on where I could retrieve the items out of the property, nor did I receive a written notice about the sale/auction of the vehicle if I wanted to get it for myself now that the co-signer had been deceased. After, the property was sold at an auction I was notified with a written notice until it showed up on my credit report. I tried disputing this with the company numerous times with no success. They are negatively reporting almost every month updating new late payments when I haven't had possession of the property in question since XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this information straighten because it is hurting my credit. The individuals that work at this company doesn't care about anything and are quite rude when spoke to upon the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with with the company in XX/XX/XXXX. The companies received my disputes according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks on my credit history have made it impossible to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 HAVE NOT RECIEVED ANY VERFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO SUIT AND COMPLAINTS WITH THE FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The man called 6 times today and left messages after Ive asked them to stop. He calls constantly. The business name he leaves is MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: CT
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 am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) Experian has erroneously reported a late payment on the XXXX XXXX  account. I would like to emphasize that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) Experian has provided inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) Experian incorrectly indicates a late payment on the XXXX XXXX account. I want to clarify that this account has never been late. Consequently, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian includes a late payment record for the XXXX XXXX account. It is important to note that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Experian has provided inaccurate information on the XXXX account. I kindly request the correction of this erroneous data on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian has also reported inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 XX/XX/2020, XXXX {$65.00} from my checking account. This transaction was neither initiated nor authorized by me and I did not purchase anything from their website. In fact, the company does not have my current debit card number. Therefore, I do not understand how it obtained access to my bank account. I have contacted the company 's customer service and made it clear that I have no account with the company and that the debit from my account was the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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:
XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

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 2023-10-04
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I got a notification from XXXX XXXX on Tuesday XX/XX/XXXX that my credit score at dropped XXXX points. I logged in and realized someone had opened a credit card in my name and spend XXXX $ on it. I immediately contacted the company and told them it was fraud and filed a claim. They told me they were going to send me an affidavit in the mail for me to fill out and send back then they would open an investigation. I still have not received the affidavit. I have contacted them numerous times since. Each time they tell me they will email for it to be resent. This past time I talked to a supervisor and was told it would be emailed. 3 days later and still no email. I have filed a police report and an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN 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 XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN 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