BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

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

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 2018-05-10
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, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EXPERIAN to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX  Opened : XX/XX/2015 Experian Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX # XXXX, has violated my rights. 

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

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

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

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 2021-10-25
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PROBLEM # 1 WHEN DISCOVER TOOK OVER SERVICING MY STUDENT LOAN FROM XXXX THEY ADDED OVER {$7000.00} TO THE BALANCE, I DEMANDED AN EXPLANATION IN WRITING AND THEY REFUSED. AFTER DOZENS OF PHONE CALLS ALL I WAS TOLD THAT IT WAS AN ERROR FROM INTEREST WHILE I WAS IN SCHOOL. I REQUESTED SUBSTANTIATION AND THEY REFUSED. I BELIEVE THIS CHARGE TO BE ERRONEOUS AS DISCOVER TOOK OVER MY LOAN 4+ YEARS AFTER I GRADUATED.

PROBLEM # 2 DEFAULTED ON THE LOAN AND NEGOTIATED A 20 % BALANCE REDUCTION AND 0 % INTEREST IF PAID BACK WITHIN 60 MONTHS WITH AUTO DEBITED PAYMENTS. HAVE HAD {$890.00} AUTO DEBITED FROM MY CHECKING ACCOUNT MONTHLY YET THE REPORTED BALANCE ON MY CREDIT REPORTS DOES NOT REFLECT MY NOW 4+ YEARS OF PAYMENTS. 

PROBLEM # 3 CREIDT REPORT SHOWS THAT THEY HAVE REPORTED MY ACCOUNT AS CLOSED, WHICH IT CLEARLY IS NOT PROBLEM # 4 THEY REPORTED TO THE CREDIT REPORTS THAT THE ENTIRE BALANCE WAS CHARGED OFF, WHICH IT WAS NOT SINCE THEY HAVE BEEN AUTO-DEBITING A MONTLY PAYMENT FOR 4+ YEARS. 

BANK RECORDS CAN BE PROVIDED SHOWING THE AUTO-DEBIT, UPON REQUEST. THE LETTER ABOUT THE $ XXXX ADDED IN XXXX WAS LOST WHEN WE WERE THE VICTIM OF A XXXX  IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was contacted by the seller XXXX XXXX XXXX to transfer the money through XXXX, for {$500.00} for a handbag they were selling on the XXXX application. The seller preferred through XXXX and stated that she banked with XXXX XXXX  as this was the most convenient service. The seller provided me with her number and we were on the phone, as soon as the transaction went through, the caller hung up immediately. I called back and was blocked, I received a message reporting that the caller has not setup their voicemail. 

I contacted my bank, Bank of America immediately after this happened and was told that I would not be able to retrieve my funds, I explained the situation that it was a scam, but was told that there was nothing they could do. I said I have text messages but said that they would not be able to help. I asked why, they said that XXXX is not XXXX. I pleaded with them that I was scammed and was told it was my fault and neither XXXX or Bank of America reimburse.

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 2021-10-25
Company: BARCLAYS BANK DELAWARE
State: NC
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:
On XX/XX/XXXX, I received an email from Barclay 's titled " ( My name ), earn additional miles this summer ''.

The text stated : " Earn more this summer! Use your Barclaycard XXXX XXXX Mastercard to earn an additional XXXX miles for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to XXXX miles, from XX/XX/XXXX to XXXX1 Plus earn an additional XXXX miles if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XXXX.1 Remember, this is in addition to the miles you already earn with your Barclaycard XXXX  XXXX Mastercard . 

... 

All miles earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' On XX/XX/XXXX, I made a purchase for {$3500.00} clearly over the {$3000.00} purchases required. I paid this balance off on XX/XX/XXXX. 

So now I have met the requirement for the XXXX points but I had to wait 8 weeks after the XXXX to actually receive my points. 

I waited 7 and a half weeks and DID NOT receive my points. I called Barclay 's making sure that I had met the requirement and should be receiving the points. The call center employee confirmed that I met the requirements but since there were 2 days left until the end of the 8 weeks that I should wait and call again. 

It is now XX/XX/XXXX weeks after the expiration of this offer and I have yet to receive my points. 

I called today and they said that they have opened a case and that it will take up to XXXX billing cycles to investigate the case and give me my points. I intended to use these points for a trip in XXXX but now these points XXXX not be even rewarded by then. 

This process is incredibly broken and when consumers activate a promotional offer, they should be given the points without hassle.

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 2018-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am submitting this complaint today to have my credit restored and to inform CFPB about this companies misconduct. I had a Wells Fargo Account ref # XXXX. The account has been closed and Wells Fargo is attempting to pursue collection activities by updating the balance every month on a debt that is past the statute of limitations. This misconduct had damaged my credit more than legally permissible which is a violation of FCRA. Attached to this complaint is a copy of small claims suit I filled up and readied to be filed if the issue will not be resolved with CFPB 's intervention.

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 2023-10-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: CITIBANK, N.A.
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:
XX/XX/2020 Consumer Protection Bureau This is a complaint against Citibank Credit Card. I called on XX/XX/2020 at XXXX XXXX. and was transferred to XXXX # XXXX. The phone number was XXXX. He stated the call was recorded. This is my issue. 
Four years ago we missed a payment to Citibank. One month later I was contacted by phone for the {$130.00} that was due. They stated there would be a penalty of about {$10.00}. I paid this balance over the phone in full at that time. Citibank had a wrong email address for us and said then they corrected it, after they talked with us. I have no issue with this. 
We recently applied for a mortgage and this late payment, that was filed by Citibank, damaged my credit score. This is the only late payment I had made in over seven years with Citibank and was an oversight, partially, because we were opening a Cit Bank and there was some confusion on bill paying. I then applied for a good will adjustment from Citibank in XXXX of 2020. The response was, legally we cant change this at the credit bureaus, if youre late, youre late, and there would be no adjustment. They did not address my good will adjustment request. 
When I called on XXXX XXXX, 2020 I asked Mr. XXXX # XXXX, if I had been treated fairly in the good will adjustment policy? I asked, was there a policy? He stated, we have no good will adjustment policy. I then asked, do you ever make a good will adjustment on any account? He said, yes, we do make good will adjustment account, but its on a case by case basis, depending on the reason and the review. I asked, what is a qualifying reason? He stated, it depends, it based the size of your account. We make adjustments and look at the reason depending on how valuable the account is. 
I understand that Citibank is a business and youre going to be treated better if the bank makes more money on your account. You may receive concierge services, but to legally damage people based only on the amount of money they make for Citibank is a gross discrimination. Everyone should have a fair shot at a good will adjustment and should not be based only on how much money Citibank makes. 
I would ask you consider demanding that Citibanks good will policy be formalized and not be allowed to be used in a discriminatory fashion, based solely on the size of the account. 
When I called I said that, before I filed a complaint with the Consumer Protection Bureau, this was a Good Faith Effort to resolve this 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 2020-08-06
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Atlanticus Services Corporation
State: AZ
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:
The company is Aspire credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also 2 dispute online with XXXX All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I opened an account with XXXX XXXX in XX/XX/XXXXfor a Walmart store card. I never missed a payment. In XX/XX/XXXX, the account was purchased by Capital One. I was not informed of the purchase, that my payment information would be disrupted, or that my payment arrangements with XXXX XX/XX/XXXX would need to be transferred. Because of this failure to notify, I continued sending payments to XXXXXX/XX/XXXX that were not registered by Capital One l, and therefore the account was marked 30 days late. I have two other accounts with Capital One. They have my correct address, phone number, and email on file. I was never contacted by these means. 

In XX/XX/XXXX I made a payment to this same account, I also make a payment in XX/XX/XXXX. Yet the payment was marked 30 days late in XX/XX/XXXXagain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-04-14
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ive recieved multiple letters & phone calls threatening to sue me for old debt, and or to damage my credit my information and debt was sold to another collection agency without me knowing, now the new collection agency is listed on my credit report and I never heard of them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights.

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

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 2023-07-10
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trustee of an insurance trust, which holds two life insurance policies on my father. we have {$600.00} in an acct at XXXX. Axos bank advertised a desire for business accts and a {$100.00} bonus. they also advertised a fast online process. 

on XX/XX/XXXX I applied online. In that app I provided ALL requested information. at XXXX XXXX I recd email from axos stating they were in receipt, and asking me to upload 3 docs. I had provided those exact docs a few minutes earlier, so our timing just crossed. 

XX/XX/XXXX XXXX recd email with docusign. I signed all docs, which were app, sig card, certification, etc. At XXXX XXXX I recd email stating that my app was assigned to XXXX XXXX. I immediately called him and was able to get in touch. We discussed next steps and focused on the timing of the ach which was a draw from the XXXX acct. I was eager to get funds out of XXXX to avoid another monthly fee. XXXX said he would let me know by calling the next day the timing. THIS WAS THE LAST TIME THAT I HEARD FROM HIM. 

at XXXX XXXX I recd emailed signed documents that I had previously signed. 

I heard nothing until XX/XX/XXXX, an email from axos telling me to logon for a secure message. the message asked me for the same information that I had provided 2 times : first in the initial app. second on the docusign documents. ( my driver 's license, address, email, etc ) I informed them that they had the info but provided it again, and again uploaded my driver 's license. this concerned me that something was off in the processing. 

I waited a few more days, still heard nothing. so I used the service they provided and setup a calendar appointment with XXXX for monday XX/XX/XXXX at XXXX XXXX. this appt was confirmed. and was a wk after app with no new info and no status update. XXXX failed to call me so the appointment did not occur. 

so on XXXX at XXXX I emailed XXXX and summarized the above events, and his failing the appt. I did not hear a response and still two weeks later nothing from Axos. 

Axos is not required to accept my money. I realize that. but they actively solicited and on same day of app moved very qkly. then just stopped. if there was an issue with my acct that they did not like or want, that is their perogative, but they did not say anything. that was my frustration. so I went to XXXX and XXXX and both places were able to open an account within 24 hrs with no duplicative requests for information. 

I no longer want anything to do with Axos but I'm filing this complaint because I'm exposing their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: CA
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}

Company response to consumer: Closed with explanation