BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: DISCOVER BANK
State: FL
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:
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX  don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Throughout my time of being a personal and business Wells Fargo customer. I dont have exact dates or times but I can recall being hit with insufficient funds fees 5 times a year with a ten year span. If my account goes negative Im in the wrong but the thing that gets me is that I would put the money in my account before the next business day and call customer service and they would tell me Im in the clear, then Id get hit with {$35.00} insufficient funds fees. I feel like Ive been legally robbed bc they say the funds will be reversed and it never happens. Idk if they do that because of minority small business or what but enough became enough. I switched to XXXXXXXX XXXX  and not once have dealt with such foolishness.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, 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:
XXXX XXXX continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. XXXX XXXX is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes Equifax fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. Equifax is also reporting a BJs club condemned the bank that is also a bit of time not related to me and XXXXXXXX XXXX which has never been proven to be mine or any contract provided or proof of real debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit 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:
On XX/XX/XXXXXXXX  while vacation in XXXX, MO we attended an owners ' meeting and a man named XXXX XXXX sold us ownership in XXXX XXXX XXXX for {$3900.00}. This company was supposed to rent out any unused XXXX XXXX points and pay us for them. 

After receiving our XXXX XXXX points in XXXX, I contacted or attempted to contact XXXX XXXX to find out how to proceed. I called the numbers provided on XXXX XXXXXXXX XXXX business card but the numbers are no longer in service ( XXXX and XXXX ). I also emailed XXXX and that address does not exist. I contacted the executive offices of XXXX in XXXX where we supposedly purchased ownership with XXXX XXXX and they informed us that XXXX XXXX had been fired. 

I had no way to get in touch with this group and I contacted the credit card company to which the {$3900.00} was charged and informed them that this was a fraudulent charge and that we were unable to contact anyone ( even the info provided on the charging line of the credit card statement ( XXXX ) and that we had not received any services from them for which we had paid. The card is a Barclays XXXX XXXX card. Barlays immediately issued a provisional credit for the {$3900.00}. 

On XX/XX/XXXX I received a letter from Barlays indicatingthat indicated that they had received a response to validate the transaction and that the merchant had not violated the terms and condidtions of the sales agreement and that the {$3900.00} would be reapplied to our account. 

Again this morning XX/XX/XXXX I attempted to contact XXXX XXXX using the email address provided on the contract and received a reply that the address does not exist ( XXXX ) and I called the phone number provided ( XXXX ) and the number has been disconnected. 

I am going to provide this additional information to Barclays and continue to protest the charge because evidently either this company does not exist or has gone out of business because WE HAVE NOT RECIEVED ANY SERVICES that this contract provides.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
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:
MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELECTED FROM MY CREDIT REPORT EFFECTIVE IMMEDIATELY I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE ANYTHING. PLEASE HELP ME DELETED THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ATTACH A COPY OF MY CREDIT REPORT ALONG WITH A COPY OF DRIVER LICENSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My friend sent me {$870.00} XXXX transfer to my Ally Bank checking account on XX/XX/XXXX, last Saturday. Then I received a text message from Ally Bank, informing me that they will deposit this {$870.00} to my Ally checking account. 

Since then I have called Ally Bank customer service multiple times and spoke with both representatives and supervisors regarding this XXXX transfer. Every time, they told me that the settlement date of this XXXX transfer is XX/XX/XXXX today. However, it is end of the day XX/XX/XXXX now, but this {$870.00} XXXX transfer still has NOT been posted to my Ally checking account yet. 

I request Ally Bank to post this {$870.00} XXXX transfer to my Ally checking account immediately without any further delay. It is illegal for Ally Bank to hold my {$870.00} money without posting to my account.

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: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: SC
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 am writing about 2 issues with Experian not having my writing instruction to report items on my consumer report & Experian reporting incorrect information on my consumer report. 

This section is very clear that Experian must have my written instruction. And they dont have my instruction to report XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Experian is reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer reports.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: CO
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've disputed a few accounts on my Experian credit report that were not reporting accurate information. I sent two letters ( one on XXXX and another on XXXX ) asking for verification and the method of verification used as the information that was reported was not correct. They have not sent any validation other than telling me that my information has been " updated ''.

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 2023-07-03
Company: Experian Information Solutions 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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2023-07-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX stated in writing dated XX/XX/2023 that they were unable to validate my claim # XXXX for the following reasons YOU ARE ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS. This statement XXXX has stated is not accurate.I demand method of verification showing I XXXX XXXX the consumer ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS.The phrase YOU ARE ACTIVELY defines is happening right now or because of conscious effort, or a little of both. XXXX XXXX XXXX XXXX. Chexsystems did not allow me the consumer XXXX XXXX to challenge XXXX statements of the inaccurate account to be reported.This action is in no FAIRNESS to I the consumer XXXX XXXX.I find Chexsystems and XXXX in violation of THE FAIR CREDIT REPORTING ACT 15 USC 1681. Act 15 USC 1681 promotes ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION. XXXX also stated ACCOUNT STATEMENTS WERE SENT TO YOUR ADDRESS OF RECORD. I XXXX XXXX never received any statements from XXXX to my address. I also demand proof of mail delivery meaning certified mail and signature from me the consumer XXXX XXXX receiving statements.

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 2021-08-11
Company: CITYWORTH MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to get a loan with Cityworth Mortgage in order to purchase a house. The process was about 3 months. Over those 3 months, I had to provide the same information various times and in the middle of the process, the loan officer left and we received a new one which caused even more work for me. They postponed the first closing date and then on the second date, they called two hours before the closing to let us know that the closing wont happen.

they should not do that, and this company should be offering loans to people. 

I lost money and time, the realtor doesn't want to refund the deposit money, i put XXXX dollar down, and they don't want to refund this.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-28
Company: Block, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I recently had my name legally changed. I submitted the required documents to Cash App on XX/XX/2023 so that the name on my account and Cash App debit card can be updated. I also requested a debit card with my new legal name on it. It's been two weeks and I have yet to receive a card with my new name, nor have I received any updates about the status of the name change. When I've reached out to Cash App support regarding this issue, I receive the same canned response every time ( from customer service reps and their supervisors ) : " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. '' They've confirmed that they've received the documents that are required to process the change. I've updated my name with all of my banking/financial institutions over the past three weeks with no issues. I'm confused as to why Cash App has not been able to successfully process the change and why no one is able to give me any information as to why this hasn't been completed after 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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