BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Early last year XXXX, I called Wells Fargo on two separate occasions asking for a credit limit increase as I was planning to make a couple of large purchases. Wells Fargo refused to increase my credit limit both times I requested it. 

In XX/XX/XXXX, Wells Fargo increased my credit limit from {$21000.00} to {$24000.00} without asking me, which was frustrating because the request had previously been denied when I needed it and had asked for it. Between XX/XX/XXXX and XX/XX/XXXX I was close to reaching my credit limit a few times. I remember trying to use my card a few times and if the purchase took me over my credit limit, the transactions were denied, which I was grateful for, because it kept me from spending over my limit. I assumed at this point that safeguards were in place on the credit card that would prevent me from going over my limit. 

In XX/XX/XXXX, I began holiday shopping and wanted to use my credit card for purchases. The transactions kept going through at the stores, so I continued making purchases and no transactions were ever denied. It wasn't until I had reached over $ XXXX in purchases over the course of the month that Wells Fargo finally started to decline purchases. I am now {$8200.00} over my credit limit, which means I am unable to use the card for other purchases, my minimum payment has significantly increased, and I'm paying even more in interest each month. I've been paying the minimum each month and it's making no difference in the overall balance, in fact it has increased between XXXX and now. Why did Wells Fargo allow this?? 

To date, Wells Fargo has failed to communicate clearly to me as their customer regarding credit limit safeguards and policies. Furthermore they have been deceptive and inconsistent regarding the allowance of purchases over the credit limit for their own profit and gain. I spoke with someone today ( XX/XX/XXXX ) in their credit card department and she said that as the customer you have to elect to have transactions declined when over the credit limit. This feature is nowhere to be found on their mobile website and this option was never presented to me. Also, if it is up to the customer to enact this option, then why were some of my previous transactions denied, but then some were allowed? It appears that Wells Fargo was making that choice for me and was doing so inconsistently. The process lacks in transparency and I believe they are acting in bad faith by allowing someone to spend $ XXXX over their limit, when previously transactions that were $ XXXX {$100.00} over were denied.

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 2020-07-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A  CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.

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 2022-10-22
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting from XX/XX/2022, I have been receiving harassing phone calls from XXXX XXXX XXXX, a " debt collector '' for a fraudulent collection that was placed on my name. For the past 23 years, I have lived with my parents and the address this company is trying to claim I owe a debt to, to is the same property where I grew up and my parents still have the title to this day. I have been in contact with the girl " representing '' my claim thru XXXX XXXX XXXX, and have not given any personal information. She is the 3rd " rep '' from them that this has been passed along too and I'm sick of dealing with this already. I have contacted XXXX, Experian XXXX XXXX about removing the fraud and have been unsuccessful with the first two. XXXX and Experian have yet to correct my credit file and remove the not liable history. I do not wish to file a police report on a matter I have no liability, knowledge or responsibility for and it needs to just be removed. XXXX XXXX Experian have NOT properly investigated this and ignore my request to have it deleted EVERY TIME.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance : {$430.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$200.00}, Original Creditor : XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-07-11
Company: EQUIFAX, INC.
State: NV
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint to Midland Funding, LLC and subsidiaries Complaint to Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I have explain several times to company, about account ID Theft, I denied account not mines company continues molesting me and forcing me to account that Is not mines Company list account transaction, thats no proof, they are using my social security number in letters company sends to me, in the event letter ends in other hands due to Midland Funding LLC and subsidiaries I will have another ID Theft issue due to them someone got my private information that is what happen, company is cooperating that my private information leaks and they will be responsible, they are informed. 



I denied account, MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) Find enclose XXXX XXXX XXXX XXXX Account number XXXX Original account number XXXX ID Theft report was filed an sent to your company, your company continues harassing and causing me damages in addition to court matter. 
On letter dated XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX, Refering to MCM no. XXXX which belongs to account ending in XXXX ) and other account XXXX. .find attached letter Additionally, we have made the business decision to close the account, There will be no further collection activity or sale of this account Both accounts mentioned on your letter MCM Account number XXXX original account number XXXX And account XXXX. 

Send me a confirmation letter as for each of the accounts 1- MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) and for account XXXX. 
There will be no further collection activity or sale of this account, Please dont XXXX me anymore in Court or any other means, I DENIED ACCOUNT XXXX, Account not mines and account XXXX. 
I sent letter on XX/XX/2022 XXXXTo Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX AS of todays date XX/XX/2022 you have ignore my correspondence to delay matter purposely and cause me more problems .find attached letter Im requesting your company to withdraw case from XXXX XXXX XXXX XXXX court case number XXXX, Within XXXX business days from this complaint You have been also sued by Consumer Financial Protection Bureau on XXXX for violations an ill-gotten gains. find enclose page Your corporation has continue molesting me and picking on me I denied accounts, ID Theft report Issue, stop the collection of both accounts, Midland Credit Management MCM Account number XXXX Original account number XXXX and account XXXX. 

Please I request to have this case completely withdrawn as ASPA I want this complaint to be publish for consumer safety Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I want to make a complain to Bank of America Credit Card department. I filed 2 dispute cases ( case # XXXX for {$700.00} and XXXX for {$270.00} ) with Bank of America back in XX/XX/2022. The bank closed my dispute on XX/XX/2022 without asking me for any supporting document. I called the company multiple times and explained situation of how the merchant is scam me without providing promised service on the transaction date ( XX/XX/2022 ) and even filed XXXX  case XXXX for this situation. But Bank of America still thinking they can not help me to dispute the transactions. They think it's my problem and they are not able to do any 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 2022-11-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22, I attempted to access my account via the mobile app to which I continuously received an error message. I then attempted to access my account via the mobile web and received the same error message. I then proceeded to call CITI directly to figure out if the site was having issues only to discover that my account was restricted and pending closure 30-90 days due to suspected fraud. No heads up, email, text, call or anything. CITI also blocked my debit card revoking access to MY money. The rep on the phone asked has this happened before, I said no this is the first time. I spoke to another rep who related that it was due to a check being deposited that same day was that was apparently returned that same day due to XXXX I have no control over that. That doesnt even sound right.

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 2022-05-16
Company: EQUIFAX, 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 XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 USC 1681. 

XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To whom it may concern 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance. An as I stated XXXX, Transunion, and XXXX has done such without consent.

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 2022-05-16
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: Personal information incorrect

Complaint:
Experian has violated my right to privacy. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. These two addresses does not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The address above WRONG ADDRESS. Experian said it was attached to an account ( XXXX XXXX XXXX with account number XXXX and verified. I was told on the phone but it was a LIE. I have attached my bill with that account number showing different address. I request for validation and verification 2 times but I did not receive any single reply. Please see an attached document justifying my claim. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 

This above address continue to appear on my credit report with Experian. Never did I live in this address and I made it known to Experian but this outdated address still reporting on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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 XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AD JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than XXXX weeks and I have not received a response and the FCRA says they are required to respond in 30 days.

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