BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: NJ
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:
In XXXX Wells Fargo was contacted to file a claim for a credit card benefit on an account that turned out to established under mis-information provided by the bank. 

The claim was rejected as a result of having a debit card issued by the bank as opposed to the the requested credit card. Although I requested a credit card, the Wells Fargo banker insisted I take a debit card and indicated that all the benefits on the credit card were applicable to the debit card. Upon making a first claim seven years later the claim was declined as the benefit was only applicable to the credit card. 

A follow up was send to the CFPB under case number # XXXX. 

The case was purportedly investigated, denied and closed by the bank and they informed me in writing that the results of their investigation could not be shared. 

So far the Wells Fargo has transferred me to about a dozen individuals and different divisions in the Executive Office call center. All that has been offered is the opportunity to ( now ) apply for a credit card and nothing regarding the card benefit to provide mobile phone repairs. I am seeking the {$270.00} for repair of the phone I was also informed in the past two weeks that the Visa logo on the debit card does not have any significance other than branding. I found this to be mis-leading and supports my contention that the Wells Fargo employee did not understand the features of the card that was not requested yet ordered. 

It is now being requested that the CFPB review the complaint process used by Wells Fargo as it could amount to stonewalling by virtue of investigative results that will not be shared and the use of a Visa logo. The net result is to receive the benefits as informed by a Wells Fargo and payment of {$270.00} to repair a phone where the monthly cell provider has billed the credit/debit card for over seven years, a requirement of the benefit. 

Thank you

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 2019-03-06
Company: Innovis
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:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses 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 2019-06-18
Company: EQUIFAX, INC.
State: TN
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:
cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: SLM CORPORATION
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a co-signer on a Sallie Mae student loan for my son. I have asked numerous times, at least 5, to try and get my name off of the loan. I have written many letters due to the harassment of other family members that are NOT co-signers on the loan with my son. Calling to try and talk with any representative is the ultimate WORST. When I call to talk with Sallie Mae, as a cosigner I should have the right to the loan information, but they can not verify my information. And yet they can call family members not associated with the loan to harass.That is why I have resorted to mailing letters. Hopefully they are being handled. Long story short I mailed yet another letter to Sallie Mae asking/requesting to be removed from my sons student loan 2 weeks ago. As of yet no response. The loan has been opened since 2014. This is an Installment account, the account # is XXXX, amount balance {$11000.00}, monthly pmt {$160.00}, Primary loan is in name XXXX XXXX, co-signer XXXX XXXX ( me ) Just stop calling family members not associated with this loan and steps to have XXXX XXXX removed from this 2014 account. It has been almost 10 years. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On or about XX/XX/2019, I sent Capital One a letter requesting to lower my ( APRs ) and interest rate for a couple of months until I get back on track with my credit cards payments for two credit cards. I explain to them that I was having a hardship and spoke to several representatives in the month of XX/XX/2019, XX/XX/2019, was told by XXXX a letter went out, spoke to XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX   XXXX XXXX, and she told me that the late fees will be removed for 90 days on both accounts the XXXX XXXX credit card and the Platinum credit card. I explain that I needed to pay {$25.00} a month until XX/XX/2019, due to illness and the government shut down which was told to them a few months ago because I relied on my finance income as well and he works for the government. Until XX/XX/2019 I have never paid Capital One late for years and XXXX told me I would be put in a program from the Speciality department at Capital One on XX/XX/2019, but I have never received anything in writing stating what is told to me over the phone, and every time I called back I have to start over again with another representative with the process. General letters are sent out without with Capital One un-willing to lower the interest rate of ( APR, s ) on both cards a letter was sent from the on XX/XX/19 and XX/XX/19 and everything promise over the phone was not put in writing from the Specialty department and no person to contact on the letter sent out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an amount of {$75000.00} deposited on XX/XX/XXXX towards Priority Checking Account of Citibank under the Special Promotion of Cash Bonus of {$1000.00} on fulfilling certain requirements as mentioned on their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All the stipulations mentioned therein were met and I have not yet received the Cash Bonus. I called several times and spoken with their Customer Service and also to one of their supervisor, XXXX XXXX on XX/XX/XXXX, but could not get a satisfactory answer other than they have escalated it to their higher-ups. The Supervisor mentioned that I don't have Form W-9 on file. Form W-9 is a request for SSN, which I already have and they have it on file. Filling another form not only will complicate the problem, but may generate another SSN. Also my Debit Card has been blocked, & they don't have the answer 'Why '. If they don't fulfil their obligation, would amount to likely 'Fraud/Scam ', for XXXX  like me. If you need further details, I would be glad to provide them.

Thank you for your cooperation in the matter.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Date Opened : XXXX  Balance : {$130.00} XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : {$780.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$280.00}

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 2023-01-31
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:
i suspected fraudulent inquires on my credit report. i did a though investigation on my credit report and i did not authorize these hard inquires. 

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 non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX my social security number is XXXX date of birth XXXX XXXX XXXX. .my complaint is that Experian fraud dept supposed to block the three negitive accounts from XXXX  XXXX that are fraud. I submitted police report. They told me obce they have police report. They can block those 3 negative accounts from XXXX  XXXX from not showing on my credit report. I call them yesterday and they told me that they have police report on file. My complaint is that they didn't block the three negitive accounts yet. Can you please have Experian block these fraudulent items thank you

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 2023-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX, I submitted a complaint against Equifax, due to the fact that when I went to annualreport.com to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " File ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my File from Equifax. I want to see and know all the information that Equifax has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: AmeriCollect
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a decrease in finances the last 2 months. I was not able to pay Capital one in XXXX and XX/XX/XXXX because my husband was sick and income was lost. Capital One has refused to refused to waive late fees for XXXX and XX/XX/XXXX after they CLOSED my accounts on XX/XX/XXXX and REFUSED to accept the approval of an ACTIVE DEBT MANAGEMENT PLAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Convergent Resources, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I call the company convergentusa on XX/XX/XXXX to paid my account whit   XXXX, and the real balance was {$620.00} and the company give me opportunities to paid this account for {$250.00} I pay the account for that amount but they process twice the payment for {$250.00}. and I call them I spoke whit XXXX XXXX for this issue but they never give me my money back and every day I call they give me a excuse and never return my money.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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