BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Background : My credit score is over 800 and my credit card applications are always approved. I also have a checking account, savings account, and credit card - all with Wells Fargo. 

On XX/XX/23, I applied for the Wells Fargo XXXX XXXX XXXX XXXX. Application Reference # XXXX On XX/XX/XXXX, Wells Fargo informed me that they needed me to fax them a copy of my ID and two proofs of address to them. The Wells Fargo phone representative confirmed that my other bank credit card statements were acceptable proof of address. On the same day, I sent Wells Fargo a copy of my driver 's license and credit card statements from two banks. 

On XX/XX/XXXX, Wells Fargo informed me that they actually needed non-credit card bank statements. Wells Fargo would not accept my credit card statements as proof of address, contrary to what was told to me on XX/XX/XXXX. 

On XX/XX/XXXX, I faxed Wells Fargo my driver 's license and two sets of my bank statements- one from XXXX  XXXX XXXX and one from XXXX XXXX. 

On XXXX, Wells Fargo informed me that they had accepted my ID and XXXX  XXXX XXXX statements. The Wells Fargo representative claimed that the XXXX XXXX statement was unreadable and requested another bank statement. 

On XXXX, I faxed Wells Fargo my bank statements from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo informed me that even though they had successfully reviewed my XXXX XXXX bank statement, they could not approve my application. The Wells Fargo representative suggested that I send over a utility bill. 

Wells Fargo requested two sets of my bank statements as proof of address in order to approve my credit card application. Wells Fargo successfully received and reviewed my bank statements. 

Since I met all of Wells Fargo 's requirements including my 800+ credit score, I believe Wells Fargo is discriminating against me by refusing to approve my credit card application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and XXXX XXXX . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2018-10-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe any one money. I paid all my doctors bill and every other bill I have so I don't understand why they keep calling me. Then they want my personal information and they will not tell me who I owe money to. I have not received any late or collection bill either so I don't know what they say I owe. I asked they to mail me a letter again they want my personal information with I will not give. Please help.

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 2022-08-25
Company: EQUIFAX, 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 written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been able to freeze and unfreeze my Equifax reports since XXXX using a PIN that was provided by Equifax. Equifax recently changed the process where the PIN is no longer valid and I have to use MyEquifax website ( https : //my.equifax.com ). 

I created an account at MyEquifax website and I was successfully verified, but I am unable to login. When I attempted to reset my password, Equifax claimed that I have no account with them. This is the timeline of the issue : 1. Created an account with my email address and unique password at MyEquifax website 2. During the registration process, I opted to receive verification PIN via mail 3. On XX/XX/XXXX, I received the PIN and verified my account at https : //my.equifax.com/pin 4. The account is verified and I received an email from Equifax that my account is now active ( See attachment 1 ) 5. I tried to sign into MyEquifax, but received an error that my email and password combination is incorrect ( See attachment 2 ). However, I am using the SAME email and password from Step 1 above.

6. I clicked on Need Help Signing in? and entered my personal information ( SSN, DOB, Name, etc. ). 
7. Equifax claim that there is no account associated with my personal information ( SSN, DOB, Name, etc. ) ( see attachment 3 ) 8. If I try to register for a new account, Equifax then said that an account has already been created with my personal information ( see attachment 4 ) This is strange because I DO have an account at https : //my.equifax.com based on Step 1 to 4 above : * I can request a verification PIN ( Step 2 ) * The verification PIN was sent to my address ( Step 3 ) * The verification PIN and my email address was accepted ( Step 4 ) * I received a Welcome email from Equifax ( Step 4 ). 

So Equifax claimed that I do not have an account ( I do per the above ), but if I tried to register, Equifax said an account already exist. 

I have attempted to contact Equifax by sending them a letter, along with proof of my identity ( SSN and utility bill ) via USPS Priority Mail with proof of receipt. Equifax has received my letter ( according to USPS proof of receipt ) but as of today, they have not responded to me at all. 

Currently, I am LOCKED OUT by Equifax and I can not do ANYTHING with my own Equifax credit report. Equifax also has not responded to my request for help. 

Could CFPB assist me in this matter? This is a big issue for me because I can not get a loan for my daughter college tuition since ALL financial institutions are unable to access my Equifax credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor are these my names and addresses on file. Please remove them.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I used XXXX XXXX XXXX that specializes in credit problems. I paid them monthly for 1 year and still havent been able to correct my credit scores back to XXXX as previously!!! PLEASE HELP!!! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX accounts on my credit bureau reached the 7 year statute of limitations. The original month/year of of first delinquency was XXXX which made the date of deletion XXXX, XXXX. The accounts were recently re-aged which changed the date of 1st delinquency to XX/XX/XXXX which changed the date of deletion to XX/XX/XXXX. This is against FCRA regulations. I want these accounts removed from my credit file. XXXX has already deleted them and they are scheduled to be deleted by XXXX. Below are the accounts in question : XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A complaint has been filed with the XXXX. Case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.

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 2022-11-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account with children place /comenity bank in early 2021 I had a XXXX balance with them. They charged me interest and late fees on a account that was supposed to be closed. Its now been almost 2 years and I have a XXXX + balance on a card that I havent made a purchase on. I talked to customer service and they didnt want to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2020, an automatic payment was made to Citi ( auto pay setup by me and initiated on their side to pull from my bank ) and cleared my bank on XX/XX/2020. As of XX/XX/2020, the amount of the payment is still not available to use as credit on the account ( ie, my credit limit is temporarily lowered by the amount of the payment amount ). 

I contact Citi 's customer service and was told that they can see receipt of the funds on their side already ( ie, they have my money ). However, there is a verification hold on the payment until XX/XX/2020. That is a nearly 2 week period. 

The representative said there is nothing they can do to release any of the payment funds earlier than XX/XX/2020. 

This happens to be a new card account, so I was told that since is the first payment, that is one reason why there is a hold.

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 2021-03-31
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account was permanently limited for XXXX days with XXXX ID : XXXX. I was told I'll receive an email about withdrawing the funds in my account after the XXXX  days wait period. I waited XXXX  days and got no email or notification. 

I knew it's gone past XXXX days, so I tried to login to my account and withdraw my money but they won't let me add my bank account to initiate the withdrawal. I tried to contact them via their phone lines during business hours but I was kept on the line for XXXX hours XXXX : minutes XXXX seconds without getting to speak with a real person. The call was disconnected by them and wasn't returned. 

I have tried to contact them on XXXX and XXXX as well but no valid response regarding this issue. The email linked to my PayPal account was hacked yesterday, i tried to update this on their site but they wouldn't let me do that. 

All I want is the total money in the account XXXX {$110.00} XXXX withdrawn to my bank account. The paypal account emaill is : XXXX XXXX

Company response to consumer: Closed with explanation