BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I applied for a credit card online with US Bank. I requested a credit limit of {$18000.00}. In addition I was requesting a balance transfer of {$17000.00} from another credit card. Both a credit limit and whether I wanted to initiate a balance transfer with the dollar amount were fields on their online application. Approximately 2 weeks later I received in the mail a credit card with a credit limit of {$1800.00}. I called their Customer Service lime and and was notified this was a system generated credit limit and if I wanted to be reconsidered for a higher amount that another credit inquiry was needed. I called numerous people within the organization to get this rectified but to no avail. One of their own Head Underwriters considered their system flawed. I eventually got in touch with the Office of the President and one of their reps contacted me and said she would call me back after she got my side of the situation. She never returned any of my numerous phone messages and then her number eventually just kept ringing - her voice mail never picked up again. This was after me leaving her messages for 3 weeks straight. Very unprofessional for such a large Bank. And thats where it ended - no way to get a hold of anyone.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXXXXXX : Act # ( XXXX ) and XXXX XXXX # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Bank of America bank has reported to the credit companies that I have a debt or late payment or delinquency on one of my credit cards. On XX/XX/XXXX, my score dropped XXXX points and the bank 's comments are : " The following comment was removed from this account : The account information questioned by the consumer meets the requirements of the FCRA. 

The comments are intended to make your report clearer. If you are not sure why this comment was removed from your report or where it came from, you can contact your creditor or the credit office for more information. '' I have already contacted the bank issuing my credit card and what they inform me is that that credit card has been inactive since XXXX and they have not reported anything negative to the Credit Companies. Thank you for helping me with the correction of this error that is damaging my record report. Thank you very much in advance.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2019-10-09
Company: AmerAssist A/R Solutions, Inc.
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 am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I MA DESPERATELY TRYING TO GET INTO A NEW HOME WITH ALL MY SAVINGS IN ESCROW AND MY LIFE IS UPSIDE DOWN BECAUSE OF YOUR COMPANIES MISTAKES. I AM A VICTIM OF IDENTITY THEFT. 

I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. The information is inaccurate and incomplete. AS THERE ARE DIFFERENT LISTED OPEN DATES AND ACCOUNT NUMBERS BETWEEN THE DIFFERENT BUREAUS. therefore I don't even know what this is. 

Acct number- XXXX OR XXXX with open dates listen from XX/XX/2018 to XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written and called to address these fraudulent accounts on my credit report with no resolution. I also have submitted information for these accounts to be removed The following accounts are listed incorrectly on my report XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXXl XXXX, XXXX, XXXXXXXXk/XXXX, XXXXXXXX XXXX  XXXX, XXXX  XXXXXXXX. I also have the following inquires XXXX XXXXXXXX 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 2023-09-21
Company: Synovus Bank
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a letter in the mail from Synovus bank in XX/XX/2023 stating my account was overdrawn by {$4000.00}. The letter was dated XX/XX/2023. I had never heard of this bank nor received anything in the mail prior to this. I did not open this account. I called the bank multiple times trying to get information and to tell them it was opened fraudulently. They would put me on hold until the call disconnected. They would not give me any information and would not let me speak to the fraud department. I was told the fraud department does not take inbound calls. The only thing they told me was that the account was opened online in XX/XX/2023, and they were closing the account right then as they were speaking to me. They said I needed a police report and then I could drive to the nearest branch and request the information. After I called them, I received a letter in the mail that was backdated to XX/XX/2023, before I called them and backdated seven days before the first letter I received from them ( the overdraft letter ), stating the account was closed. This isn't even possible since the account was still open when I received the overdraft letter and when I called them to report the fraud. 

I filed an incident report with the police and went to the nearest Synovus branch. They would not tell me if my drivers license was used, why the account was allowed to overdraft by so much, and they would not provide a letter of account closure stating I was not liable since it was opened fraudulently. They would not provide bank statements. They said they could not see any information on the account and were unable to give me any further information. I was still unable to speak with the fraud department. They gave me nothing but an identity theft information sheet. In this printout it states that I have the right to obtain the documents relating to the fraudulent account however they would not and did not provide these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: M.A.R.S., Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 2 months ago I demanded validation of the debt that MARS INC is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the new SAVE plan XX/XX/XXXX. They said they would email updates that I never received. I called and spoke to a person on the phone and they said the application was in process, that the department of education told them to pause some applications due to an error. After calling, the notification on the site said my application was submitted XX/XX/XXXX instead of the original date with no timeframe for when it would be completed. I still have not received a single email update on the status of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: ADP Inc.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Monday XX/XX/XXXX and the XXXX about closing my account and they tell me it's closed but yet my direct deposit into my regular bank account didn't go through. There was also another point of contact when my card was just turned off. I can not enter my old account info, it won't let me. They XXXX  me again and now I didn't get paid today. I want my wisely account deleted completely and my old information restored

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For over a month now, Capital One has been treating me as if I were a criminal trying to steal my own identity. It began on XX/XX/2020, when XXXX locked me out of my XXXX account ( just days after a hacker tried to access it ). As an American working in XXXX, I relied on emailed statements from Capital One to stay updated on my secured credit card account. So on XX/XX/2020, I called and asked them to change my email address. Before doing so, I paid for a recent charge of {$24.00} that I had made on XX/XX/2020 for online membership with XXXX XXXX XXXX. 

Not having an American cellphone number, I was asked to post my drivers license to a secure link, which I did. On XX/XX/XXXX, I called again, and was told to post a copy of my social security card. I told them that I did not have it with me, having been unable to find it before leaving the US. Having just gone to XXXX XXXX ( because of the coronavirus ) I did not know where a new card could be mailed, or even if it was possible to apply for one while overseas. I offered to show Capital One another proof of my social security number. They refused. 

In America, my mother searched for the card and could not find it either. So on XX/XX/XXXX I asked Capital One to send paper statements to my home address in XXXX. They again demanded to see my social security card. Soon after this, I discovered that they had disputed the XX/XX/XXXX charge as fraud and reversed the payment to XXXX XXXX XXXX. 

Thinking if I could just get a replacement social security card, all would be well, I tried and failed to set up an online social security account. I then tried calling the Social Security Administration long distance, and got put on hold for so long my phone disconnected. I  finally concluded that the only way to apply for a replacement card was to mail my original drivers license and an authenticated copy of my birth certificate, which I did not feel comfortable doing. 

Then on XX/XX/2020 I finally recovered my XXXX account. I thought that since the problem had begun with a simple request to change my email address, getting back my original email account would end the ordeal. But Capital One not only refused to take the fraud alert off my account, they even refused to refund the money I had paid them on XX/XX/XXXX for the charge they had later disputed as fraud. This is unacceptable. 

I believe it puts an unnecessary burden on me to have to mail valuable, original documents internationally in order to obtain an extremely sensitive document that could get stolen by identity thieves. I also think it is wrong for Capital One to keep my money after denying me the services for which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested details regarding the specific activity or action that caused my credit score change because it's nowhere to be found when logged into the Equifax, XXXX, or XXXX websites when logging into my account. Credit bureaus are notorious for advising that " There are many factors that cause score changes '' but they don't provide any specifics for the consumer 's own knowledge. Consumers should not have to hunt through their credit reports to find out why their scores changed. I don't have much on my report but I don't see any recent changes that would warrant a score decrease. It's just as hard to tell why your score increased. Again consumers should be provided with specific explanations. Credit agencies should be required to be transparent with their scoring scale, categories for scores, and how specific actions affect the score. 

Credit reporting agencies should provide documentation that breaks down each score-changing scenario. Example scenario for a transparent system : Credit balance increases result in a score decrease if the increase causes the debt-to-income ratio to be more than 35 %. Your credit balance increased from {$1.00} to {$10.00}. When calculated against your entire debit portfolio that increase resulted in a debt-to-income ratio of 35 %. When your debt-to-income ratio is 35 % or higher credit scores decrease by XXXX XXXX 

The scoring system should be specific and not random. As in the example above there should never be other score values for that scenario. Consumers would know that they'd lose XXXX XXXX At no point should the bureaus be able to take XXXX XXXX one month XXXX XXXX  another month, and XXXX XXXX another month. It's really ridiculous that consumers are at the mercy of credit bureaus that can increase or decrease scores to whatever numbers they want without explaining exactly why and providing documentation on scoring formulas/scales. 

This is important to be even given the fact that the decline in my score was minimal but still matters to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX, and the college duly notified XXXX XXXX about my enrollment status.

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 2023-11-27
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, Equifax and XXXX XXXX XXXX Reporting agencies. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the Equifax Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CITIBANK, N.A.
State: CT
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:
Citibank and XXXX XXXX XXXX Credit cards have been charging me interest and fees on a BALANCE TRANSFER I DID NOT OPEN. I have made several complaints to the CFPB, FDIC, Comptroller of Currency, and Ombudsmans office as well. This is messing up my credit, costing me thousands of Dollars and causing me mental anguish! Im sending the original complaint with the CFPB. Along with several credit card statements proving the trail of fraud XXXX and CITIBank have been perpetrating against me since XXXX XXXX XXXX. XXXX was found guilty of major fraud against their customers this past XXXX in a federal judgement. I am just another victim in their fraudulent dealings! I need someone to help me please!

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 2019-08-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX  XXXX. I had contacted the website XXXX to buy one of their dogs. They have a legit website, testimonials, everything to look real. The cost of shipping was included with the dog. Total cost XXXX dollars (XXXX through XXXX and XXXX to the delivery driver). So my friend actually sent my money with her XXXX   app since my bank doesn't support it (Her name is XXXX  XXXX). She banks through Wells Fargo. The email for the recipient for XXXX  was XXXX (so his name is XXXX XXXX??). After I sent the money I typed in the web address of the dog adoption site and it showed up on XXXX.  The seller denied fraudulent claims. After a few text I've heard nothing. It was obviously a scam, and scammers love XXXX  apparently because there is no fraud protection. The number (which is never answered) is XXXX. So I don't know if there is anything that can be done. Also if my friend XXXX  needs to file anything?  She did contact Wells Fargo shortly after sending the money. Probably won't get anywhere with that.

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