BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
About month ago, I contacted Capital one on a new account. It sent me to a company called XXXX XXXX XXXX by mistake. I was told that I owed XXXX on a capital one credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of XXXX that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a  bankruptcy court. The account is XXXX. The phone number of the XXXX XXXX XXXX is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another XXXX XXXX XXXX because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Card was deactivated after 1 day of opening an account. Could not use funds I had put on my account because my card was deactivated and PNC bank refused to tell me why my card was deactivated. Couldnt withdraw any money from an atm either and they wouldnt give me any information as to why I couldnt get access to my funds. They have my money and I cant use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
They sent me an email stating they were making my Savings account. i dont have any accounts with bank of America XXXX This is pure fraud. They wont talk to me. They wont tell me what is going on. Im scared they are trying to steal my identity. There seems to be nothing I can do to stop them. please help. I havent lost any money yet that I know of, I just dont want to be a victim because of bank of America 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 2020-07-14
Company: Experian Information Solutions 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 have a fraudulent account from REGIONAL XXXX XXXX # XXXX. Someone was using my name to apply for credit/loan. I filed a police report due to my information being compromised.

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 2023-01-17
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:
In accordance with Fair Credit Reporting Act consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-10-20
Company: CITIBANK, N.A.
State: CA
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 returned a car to XXXX, XXXX. Little was I prepared for the fraudulent shakedown I was about to receive from XXXX rental ( which is well attested on their internet reviews ). The clerk " found '' scratches and dings he said were not present before my rental and charged me {$1100.00}. In disputing this transaction with citibank costco visa officials I was told that the fraudulent merchant must agree to reverse the charges and that the matter was out of their hands. What a way to run a dispute -- - give all the power to the fraudsters! When I also pointed out that this card is supposed to carry car rental insurance I received no response. When repeatedly asked to please contact me directly to discuss details at no point was I personally contacted. I recommend avoiding citibank cards until they get their house in order and stand by their customers.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: MS
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:
They will not remove the XXXX XXXX collections that isnt mine.

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 2018-12-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
My american express card was used by my self in XXXX XXXX XXXX this XX/XX/XXXX I had 2 rooms reserved 1 for me and 1 for my daughter upon checking in i went to my room where the room was dirty moldy i went to the desk and told them i said we just checked in and will not stay in the rooms because of there filthy condition they said ok took our keys back and said no charge. when my bill came i noticed the hotel charged me for 2 nights and for both rooms i called the hotel and was given the General mgr name Mrs XXXX i called several times and left messages over 4 days she never returned my calls I notified Amex and filed a dispute they received info from the XXXX i was given XXXX credit and was still charged XXXX for the second room my dispute was reversed by Amex i called then again in XXXX and put it back to dispute once again they took the merchants side i tried to dispute again but was told i count have 3 disputes. when i told them again that i was only given credit for one room they took another complaint but in 2 weeks it was put back on my card. I called today and spoke to a disputes also who informed me that the docs provide were used 3 times the hotel never did the next 2 docs but amex used the original docs from XXXX all three time now if the first dispute was reversed then using the original docs would make all other disputes in favor of the XXXX XXXX. Today after filing another dispute and giving her reasons for the reverse design she agreed to have them resubmit a dispute asking for new docs from the merchant. Then she transferred me to another woman who told me that the new dispute filed today was not allowed. This XXXX XXXX is XXXX miles from my home and amex just used for all4 disputes the original doc from the hotel i told the woman to cancel all of my 4 Amex cards because of this. It seems that amex did not properly complete the last 3 disputes so ii did not get a fair shot with them and the hotel provide to them false docs saying i was given XXXX and XXXX and a fern night but all i got was a big headache from amex. I was hoping that yr agency can help me as of today i am being charged for something i never received and thing the fair credit act has protection for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the collection account from '' XXXXXXXX XXXX XXXX '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued Per XXXX request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that XXXX does not apply trickery and delay tactics as they practice on a ongoing process. 

All the issues are real and they need to be held to account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got an alert from my bank stating that my score went down when I checked my credit report I found 2 fraudulent accounts on my report the first one was XXXX XXXX XXXX with a balance of XXXX the second one was XXXX with a balance of XXXX also on my report it says I have 4 late payments when actually I am not late on any of my accounts

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 2023-01-13
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a new XXXX through XXXX XXXX XXXX  on XX/XX/2023. On XX/XX/XXXX I made my first payment through my personal account in XXXX XXXXnline banking since I am able to see all my personal accounts including my XXXX XXXX XXXXn account through Online banking. 
After that, I create the payments through XXXX XXXX in my Business account ( XXXX XXXX XXXX XXXX XXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the XXXX XXXX XXXX  account number but inadvertently did not make the change from XXXX to XXXX, therefore even though the payments were created and sent with the correct XXXX XXXX they were sent as a check to XXXX instead of XXXX XXXX a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted XXXX right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to Transunion and I need to fight this with them. They say they will add the notes of what happened on my profile that way when Transunion contacted them, they were able to explain but they can not call Transunion on my behalf. I have been fighting with XXXX since that trying to figure out where the payments are and to obtain the 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 2023-01-17
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX
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:
To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 2 safety deposit boxes with Wells Fargo Box A ( 5 x 4.5 ) since XXXX and Box B ( 3 x 4.5 ) since XXXX. Neither of these have every had a delinquent balance and are up to date in payment thru XX/XX/XXXX respectively. I visited my Wells Fargo Branch XX/XX/XXXX to access both boxes since I had not opened either box since XXXX to inspect contents and determine if both boxes were needed. Upon entering the safe, it was determined that there were three ( 3 ) " B '' boxes, Two of the " B '' boxes would not open with my key and the 3rd " B '' had been drilled. After three days of research on Wells Fargo 's behalf, it was determined that my box " B '' was the one that was drilled open on XX/XX/XXXX. I  have never been contacted about my box potentially subject to drilling. This error was uncovered by my visit to access MY Box " A & B ''. ( Ironically, they were not able to get my key to open Box " A '' either ). The only information they were able to share with me were the names of the two Wells Fargo employees that were present at drilling the box. I was not allowed a copy of that form from Wells Fargo. Why do they have three safety deposit boxes with the same identification number and the same size in the same safe at my branch location. How secure it the identifying process when accessing and/or drilling. Why was I not notified of this error???? I believe Wells Fargo to be culpable for the fact that my box was drilled over 3 years ago and expect me to automatically believe that the box was found empty. I am not satisfied with offering to re-key and provide this box at no expense to me. This box ( " B '' ) was grandfathered from XXXX XXXX XXXX and has be {$0.00} annually since XX/XX/XXXX. How am I supposed to believe that this would not happen again with either of my boxes?? I met with the Branch Manager on XX/XX/XXXX and did not agree with his offer to re-key or give me another safety deposit box. I left the meeting stating that I would need to determine how I wanted to proceed. After talking with other professionals in the business, I determined that I should start with this agency, CFPB. As of today, I have not been contacted by Wells Fargo as a follow-up. My confidence and trust in my financial institution has been diminished greatly. I would have thought as a valued customer for this many years, I would have been a priority to resolve this to my satisfaction and instill a renewed faith in my financial institution, Wells Fargo.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
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 XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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