BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem

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: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, 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:
I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Control LLC for a debt and account with center point issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in XX/XX/2014 but I am unsure if this account is from that issue. I want them at Credit Control LLC to close this right away please. I have sent Credit Control LLC a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.

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 2018-11-09
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is in regards to my XXXX XXXX 's credit card. This was my first time ever dealing with them. I went into the store in XXXX to use a gift card from my husband. After getting my items, the sales clerk offered me a store credit card, which she advised me that theirs does NOT do a credit check. At check out, my transactions were handled by another clerk who processed my purchases and the application. I had to insert another major credit card which I believed was for verification of credit worthiness. I was approved and provided the information for my credit line. 
I have since noticed that there were credit inquiries made to multiple credit reporting agencies. 
I contacted XXXX XXXX 's card company, XXXX on XX/XX/18 to discuss my concerns. I was advised that the inquiry into my credit can not be removed even due to their sales person 's incorrect information. He only said he wishes the store sales people were trained better. This does not help my situation. I did have him pay off the balance and close the card as this is not a company I want to do business with that provides incorrect information just to get a sale. This is unethical sales practices. Consumers should be provided full and actual information at the time of account opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a check on counter from my family XXXX XXXX XXXX  with writing deposit account number on the back of the check to Wells Fargo account .she refuse to deposit it than said go to ATM which I did after XXXX  days rather than send it for collections they send the copy of the to me and call the owner of the XXXX XXXX  Why it was not deposit to Wells Fargo act and send it for collection? and XXXX  me asking " do you know what is the meaning of endorse ''? 
I like to know what was wrong with my family check was refused and if so why well Fargo did not return the check to depositor? 
In between lot of phone communication Wells Fargo management disrespectful and disregard XXXX Thank you 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am still without refund for the taxes paid on the phone for a mere {$63.00}, which I have initiated a dispute on my Visa card for that account charged on the basis that you charged me for something that I dont have and you should have never charged me. From what I have been told. You are only to charge taxes on a lease phone plan and the plan even though it was supposed to be a lease was setup as a payment plan. So therefore, you charged me taxes you were not supposed to.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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 want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 2019-11-20
Company: EQUIFAX, INC.
State: MS
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:
Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX just before XXXX XXXX, I attempted to deposit {$2600.00} in cash ( all {$100.00} bills ) at the Capital One Bank, located at XXXX XXXX XXXX in XXXX, MD. This branch is referred to by Capital One Bank as the XXXX XXXX XXXX. The cash deposit was made at the drive through ATM on the far left, nearest the bank building. I inserted my card and signed in, indicated I was making a cash deposit and, when prompted, inserted the cash. The ATM took the money into the machine. Immediately after taking the cash a yellow long narrow box appeared in the middle the screen with the message that an error had occurred but did not indicate what type of error it was. The ATM screen then went back to the sign in screen but now with a message at the top that cash and check deposits were not being accepted at this machine sorry for the inconvenience. No receipt was given because the machine had shut down. 
I immediately parked and went into the bank and spoke to a branch employee located in one of the cubicles. I asked her to check the ATM. She stated there was no one who could open the ATM and check it for my deposit. She stated she could not do that and the only was to proceed was for me to file a claim which I did. The claim is # XXXX. I was also told I would be contacted by email, my email was provided at that time. I received a letter dated XX/XX/XXXX stating they were working on my claim ( no email ). After no further communication, I called claims followup at XXXX on XX/XX/XXXX and was told that an email had been sent and the claim was denied. I did not receive an email, either in my in box or spam/junk file. I requested via phone to know what actions by the bank were performed to investigate the complaint. 
I called back a second time that day ( XXXX ) and requested to speak to a manager. The manager kept asking if I had a receipt which I did not due to the ATM closing out my transaction. She pulled up some files and stated that the video showed me at the machine as I claimed but could not verify the money deposited. She stated they would investigate further and contact me by email. I have received no communication at this writing. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my dispute was resolved and they denied my claim. This was obviously sent before my phone call. 
I believe I have followed proper protocol concerning this claim but I am not satisfied with the result which does not contain detail steps the bank took to recover my lost cash funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
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:
ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO TRANSUNION REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO RESPOND. ACCORDING TO THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING AGENCIES MUST INVESTIGATE ALL DISPUTES AND RESPOND WITHIN 30 DAYS FROM THE TIME THEY RECEIVE THE DISPUTE LETTER. TRANSUNION HAS FAILED TO INVESTIGATE MY DISPUTE OR RESPOND IN A TIMELY MANNER.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Back in XX/XX/2023, both my wife and I received emails stating that an application to open a checking account at Bank of America had been received. Moments later, a XXXX email stating that our accounts had been opened, along with partial information about our account. We called BofA immediately and disputed. 

Last week, a mere XXXX  months later, I woke up to another email about an account application. Minutes later, an email stating the account had been approved. Once again I called BofA immediately to dispute. Account got closed, but this week both my wife and I received debit cards in our names! 

I don't understand how easy BofA makes it for people to open accounts. XXXX in XXXX months is quite absurd!

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 2023-09-21
Company: Maximus Education, LLC dba Aidvantage
State: VA
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:
Subject : Dispute and Request for Removal of Debt Older Than 7 Years from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the removal of debt older than 7 years from my credit report. As per the Fair Credit Reporting Act ( FCRA ) section 605 ( a ), any derogatory information or negative account that is more than 7 years old should not be included in my credit report.

Upon reviewing my credit report from your agency, I have identified several accounts that are inaccurately reflecting debt that is beyond the 7-year time frame. This violates my rights as a consumer and misrepresents my current financial situation.

I kindly request that you promptly investigate these discrepancies and remove any accounts that fall under the aforementioned 7-year period from my credit report. Furthermore, I urge you to cease and desist from reporting any information related to these debts on my credit report and refrain from any future reporting that is in violation of the FCRA. 

According to the FCRA, credit bureaus are responsible for ensuring the accuracy of the information they report. It is crucial for you to comply with the law and maintain accurate credit reports, which play a significant role in determining my creditworthiness and financial opportunities. 

I expect your agency to complete a thorough investigation into the matter within 30 days, as required by the FCRA. In the event that these accounts are not removed as per the law, I may be forced to take further legal action to ensure my rights are upheld. Please consider this letter as an official notice of my intent to escalate the matter if necessary. 

Enclosed with this letter, please find supporting documents that clearly outline the inaccuracies on my credit report. I kindly request that you review these documents in conjunction with your investigation. 

I am confident that you will address this dispute promptly and take the necessary steps to rectify the inaccuracies on my credit report. Your full cooperation is expected to resolve this matter efficiently and in accordance with the law. 

Thank you for your immediate attention to this important matter. I request written confirmation of receipt of this letter and updates on the progress of your investigation. 

Yours sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The company offered me 3 months on time payment s then they would send the fha paperwork to put the fha forgiveness for Covid in the back of the loan. So I paid 3 on time payment s and the paperwork never came. Everytime I call midland Representative they say just wait. Yesterday I got a bill for XXXX and it gave me to XX/XX/XXXX to pay the XXXX. I have been paying. When I call customer service no one knows whats going on. Its making me nervous and XXXX, I got 2 XXXX  kids and an elderly mother depending on me. I cant sleep at night. Please help me and get to the bottom of this I will be grateful.

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I disputed a charge of {$450.00} on my card via Comenity Bank 's online secured system. The charge was posted on XX/XX/XXXX. I advised Comenity Bank that I had requested the company that placed the charge on XXXX. XXXX, and XX/XX/XXXX to remove the equipment they installed on XX/XX/XXXX. The company, XXXX XXXX, didn't respond or pick up the equipment. 

I was told by Comenity Bank that I needed to mail a letter to them on the address on the back of my statement. On XX/XX/XXXX, I sent them a letter with the details. The technician showed up XXXX  hours late and installed the equipment in the wrong location. The cameras picked up about 30 % of what my Ring cameras picked up and I asked on several occasions for them to be removed. 

When I called Comenity Bank to confirm receipt of my letter, I was told it would take XXXX  days to investigate. I confirmed this company would not be allowed to charge my card. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the same company charged my card for {$64.00}. I called Comenity on XX/XX/XXXX and XXXX and was told to dispute the charges online. When I called this last time threatening to report Comenity Bank to CFPB, I was told how to freeze my card from recurring charges but they claim to still not have any information about crediting my account. They never offered this information before. I have copies of all emails to both Comenity Bank and XXXX XXXX. They are all fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Contacted Wells Fargo the week of XX/XX/2023 stating that I unexpectedly lost my job, Iam a single mother and temporarily unable to pay my mortgage as well as all the other living expenses for my son and I. They stated they would have a home preservationist specialist contact me which she did and said I was denied work out options with them due to me receiving unemployment. As a single mother and limited allotted amount of food stamps, they stated unfortunately they can not help me push payments back until iam back on my feet again which in hopes to be sooner then later. I do not have any friends or family to 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 2023-09-25
Company: CITIBANK, N.A.
State: TX
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 looked on my credit report and it says that i have a past due balance of a credit card that i never owned

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 2023-09-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
innacurate monthly reporting never late

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 2023-02-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/XXXX, Chime Financial closed by checking account without notice. 

This account contained over {$2000.00} and I used it to pay rent, my credit card bills, and receive my paycheck. 

I reached out to Chime for further explanation but they said they were unable to disclose further information about the closure of my account. 

They said they would send me a check with my account balance in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2020-04-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to verify the debt with this company all letters were returned unopened and they only verified with credit agency with false information. I took the landlord to court received a judgement and won my security deposit back. I notified the collection agency and faxed court documents they refused to remove the item. It has cost me not to get credit or places to live. The old landlord said they have no control over the collection agency. The information is incorrect and they are reporting me over 30days behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation