BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo Claim : XXXX I am really in shock that I have been notified the credit I received on XXXX XXXX is being taken away XXXX XXXX. This claim needs to be reopened immediately. I never received my order/ any of the merchandise I paid for from the merchant Reformation from my order totaling merchandise worth {$2100.00} posted to my account XXXX. I received a terribly packaged and damaged, empty shipping box covered in yes you are reading this right, XXXX!!! XXXX!!!!!! Human XXXX XXXX. I am still in shock over this, I sent all of the documentation to the company at the time and will attach it to this email because the fact I can not get my money back after not receiving the goods I paid for and having to handle a box soaked in human XXXX is absolutely insane. My apartment has no street access or way inside the building so this was entirely of the fault of the company and shipper. I had to go get a blood panel and XXXX tests run in XXXX because I fell severely Sick and questioned whether it had to do with that XXXX. This is insane and this needs to be reopened and reviewed. Images attached. I am filing claims over this with the CFPB and OCC and plan to close all of my Wells Fargo accounts after this. I never even received a letter from yall asking for more documentation. I actually have no words. Wells Fargo granted me a credit of the amount on XXXX XXXX and I just received a letter in the mail from them saying they are taking it back XXXX XXXX with no other info after radio silence for the last month and never allowing me to send them documentation or support of any kind. I have since emailed them all of this documentation of the situation that I originally sent reformation after they failed to make the situation right originally, and have tried multiple times to call but can never get through. This needs to be made right and Wells Fargo needs to back me considering all of the evidence I have.

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 2024-01-07
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For my Miles & More end by XXXX, I submited additional material on XXXX and the security team said I'm approved. However a month later the Barclays told me the card is not approved. 

I no longer want this Miles & More credit card bceause of this unbelieveable service provide. However, recently I received the annual fee bill from Email notice. I would like to ask Barclays close this card immediately and waive all fee since the customer service declaread " it is not approved ''. 

I had try to call the president office relative staff many times and send response throught XXXX  but I never can get touch with anyone. The due date of payment is XXXX, XXXX, which is today. I also need to ask remove the late payment notice from my credit card report since this is not my fault.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: KEYCORP
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Applied to bank and my application was " lost '' for several weeks until i was told that i needed to reapply. Did so, deposited XXXX USD into the account. Opened a new savings with a different bank, attempted to withdraw XXXX from laurel road over to wells fargo account also under my name. Account was locked with no written notice, no email, no phone call or any other communication. Bank still will not give me a specific reason the account was locked even after escalation. Account now locked for XXXX business days ( XXXX normal days ) and was asked to give up to XXXX business days for an unspecific " review '' of my account before i can withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX account XXXX account has been paid in full got letters for the institution verifying account paid in full they keep on reporting it on my report ask for the original contract,

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am an XXXX XXXX service member in Louisiana. 

The federal SCRA laws limits interest rates to 6 % all accounts opened before entering XXXX XXXX ( EAD ).

Louisiana law extends those benefits to all accounts, even account opened after EAD date. According to Louisiana law, Title 29 section 312 linked below, I should not be charged interest rates exceeding 6 % on any accounts. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: U.S. BANCORP
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was stolen from my friend 's car. The bank called to notify me that there was suspicious activity on my card, I told them it wasn't me as I was out of town and in a completely different state. When they first called, I made mention that I usually leave that card at home but didn't know where it was as I did not have it on me. They have refunded and unfunded my card multiple times. They have done extensive research showing I have never used that card in that town or with that store. I have sent them 2 police reports, mine and my friends. My flight information. My CC information showing charges that I was in another state. Now they are saying that if my friend 's wallet was stolen, which had my card in it, then she would have needed to get a new ID and I need to show them that as proof the theft took place. Her Id was never stolen, she had it on her. They found it suspicious I had used my card at a grocery store with the same name, ONCE, over XXXX miles away at a completely different time. They have opened, closed, reopened the claim over and over again. At this point it feels like harassment. My friend 's card was also stolen, she uses the same bank and hasn't had to do anything. I've been dealing with this for 2 months. 
It's nearly impossible to get the information to the fraud department, even the local branch I have brought all the paperwork too can't get ahold of them easily. I've requested management call me to no avail. Their management is doing everything it can, including making up scenarios, to try and make it look like I'm lying.

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 2023-12-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Best buy credit card from Citi bank, I used to pay $ XXXX withdrawn automatically. Their customer service failed to update my payment method after I provided to her, resulting in an accumulated large balance in my account of {$220.00} however for 2 months the amount due os {$60.00}. 
Also, when I purchased the product from Bestbuy, I was informed that this card had no interest, that was the offer during XXXX for XXXX, so how come they charged me extra charges? taking into consideration that I provided the card number to the customer service to attach it to my account and do auto payment as I used to make since I bought the laptop. 
I tried to talk to customer service of bestbuy citi bank with no result to resolve the problem. 
It is my right to remove the extra charges and interest incured as it is not my fault, and the deal was no interest for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$260.00}

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 2023-11-13
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got 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 explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Virginia FCRA 8.01-246 ( 2 ) and ( 4 ), the following information is missing and/or inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX - Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. Balance reported however account charged off in XXXX, correct balance is XXXX violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted XXXX XXXX XXXX Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. 

XXXX XXXX XXXX XXXXXXXX account charged off however balance reported. Balance reported should be XXXX. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted. 

XXXX XXXX 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX incorrect. account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to onetime. 

XXXX XXXX XXXX XXXX XXXX - 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incorrect. Account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to ontime. 

XXXX XXXX collection XXXX -No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. Violates Fair air Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. thefore must be deleted. 

XXXX  collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

XXXX collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. 
The XXXX XXXX XXXX XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2023-12-29
Company: U.S. BANCORP
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I submitted a balance transfer through US bank ( card # ending XXXX ) to pay off a portion of my balance with XXXX XXXX XXXX ( XXXX card ). The balance transfer was instead sent to XXXX card services with my XXXX XXXX account number - XXXX for {$2200.00}. It's unclear if I entered the wrong info or what happened, but that acct does not exist with XXXX. I contacted US bank who submitted the balance transfer, and they said XXXX needs to do a payment inquiry and return the money. XXXX said they have no way to locate the payment and US bank should be assisting with this. US bank said they do not have the option to stop payment for balance transfers and my request to have it returned has been declined because there was no bank error in processing. My US bank case number is XXXX submitted. The manager I spoke with at XXXX card services was XXXX in resolutions- 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 monetary relief
Consumer complaint received 2023-12-29
Company: U.S. BANCORP
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/XXXX XXXX XXXXXX/XX/23 Applied on online for US Bank balance transfer. I spoke with XXXX Bank Rep was informed that I qualify for balance transfer. And request to provide info. However he stated I was approved for XXXX Bank {$1000.00} credit card which I informed him I did not want XXXX Bank credit card and only interested in balance transfer. They pulled my credit report twice which now has lower my credit score. I was mislead.

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 2024-01-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from 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 explanation