BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To whom it may concern : I am writing to complain about my banks handling of my credit card starting this past XXXX. 
In XXXX of this year, I called my Wells Fargo customer phone number to make a payment and told the representative that I could not afford to make my regular payment due to financial hardship. My main job that brings in most my income drastically reduced my hours/income and I was having trouble and still having trouble paying my bills. This job was affected by the COVID-19 and resulting impact was a major reduction in my income. So the rep on the phone said Wells Fargo had a COVID hardship program and I could defer payment two months in a row. I said yes to the program but a few days later I found out my card declined and I had almost {$12000.00} left of credit available on that card and found out the credit line was reduced to a little over {$8000.00} which left me with only {$100.00} of credit to spend on my card. I was furious when I found this out, as I have been with Wells Fargo for about 30 years and worked my rear off to get a gold standing credit card with a high credit line over the years. So I filed a complaint and I got letters about 5 altogether saying we would forward complaint to their Executive Office. Most the reps that I called on these letters said the same thing, we are looking into the matter, but most would not return my calls. One such rep XXXX XXXX at phone XXXX never returned my call when I left message saying I was furious and needed an expanation why would they do such an inhumane thing to a consumer, especially during this COVID pandemic. On XX/XX/XXXX, I finally got a letter in the mail stating they decreased my creditline from {$2000.00} to {$8600.00}, due to a risk- based decision. This credit card now left me with about {$100.00} to spend on the card. 
I was furious and even tried to elicit the support of a local Wells Fargo branch manager on XX/XX/XXXX, Ms. XXXX, of whom was sympathetic, and said she would file a complaint on my behalf. But still nothing happened and I continued to get letters from Wells Fargo Executive office saying, we are sorry, but we are looking in the matter. 

I am furious at my bank how they handled this and how could they do such a heartless, greedy maneuver when I have been a hard working customer of theirs for 30 years. 
I want mu credit limit returned and think this move by Wells Fargo is disgusting and I would pull out all my business with them, but I have so many automatic debits/ payroll arrangements with them it is very inconvenient for me to do that. Please can you help with this horrible greedy sucking entity of a bank 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 monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2021 XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2023-03-24
Company: Bread Financial Holdings, Inc.
State: WA
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:
Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX My XXXX credit card account was transferred from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. On XX/XX/XXXXXXXX Comenity made a Charge Adjustment to my account in the amount of {$4600.00}. I immediately called them and disputed it. The first four Customer Service Representatives literally laughed and said I had to pay it. I finally spoke with a woman who looked at my account and said it was a " Known Issue '' with their computer system and that she would flag it to be resolved and removed. She stated that it normally could take up to 90 days to resolve but that mine should be settled within 30 days. 
On XX/XX/XXXX Comenity sent me a letter advising me that they were researching it and that I would not be " paying on any disputed amount, applicable finance charges or fees during the investigation. '' I have not heard anything more from them. They did not even enter anything as a Dispute ID on their letter. 
On XX/XX/XXXX they charged me {$62.00} in interest on this Charge and asked that I begin making payments in the amount of {$110.00} each month. I've spoken with 4 more Customer Service Reps. Each advise me to make the payments. The last advised me they had also found another account with a balance of {$6.00}. They said that this would complicate matters and that rather than 90 days it might take a month or two longer than that. But that I should make payments so that my account does not become delinquent.

I had two fraudulent charges against my XXXX XXXX with XXXX XXXX XXXXXXXX on XX/XX/XXXX. One in the amount of {$4600.00} and the other in the Amount of {$6.00}. They researched it and absolved me of any responsibility for paying for it. Comenity 's own records clearly show it as fraudulent charges.

Please have them remove these fraudulent charges and fees from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.

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 2021-03-05
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a preapproval letter for a VA loan, which was granted to me. Based on this letter, I place a {$10000.00} deposit for a new home. Basically a year later, about XX/XX/XXXX, the loan was denied and the developer forfeited my {$10000.00} deposit. The loan originator, XXXX XXXX, new the develpment sales person, XXXX XXXX. When the money was forfeited, I sent a message to XXXX XXXX, her response " I'm sorry '' Later, I learned through a realtor that I didn't quslified for a VA loan because I was going through a foreclosure ( still dealing with that ). 

The lender check my credit, they knew about my foreclosure case because it started back in XXXX, nevertheless they game me a preapproval letter for a loan it could not be granted. 

If you go through a foreclosure, you have to wait two years after the conclussion of said process to appply for a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NC
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:
As of XX/XX/XXXX my XXXX Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX Bank to the IRS on XXXX XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, Equifax, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened this account on XX/XX/2021, it was explained to me by XXXX XXXX on the phone that in order to receive their promo offer, we had to keep a minimum of {$200000.00} in the account for 60 days and then the promo of {$1500.00} would be deposited to the account within the following 30 days ( end of the committment ). That is the way I understood it as well from the print on their website outlining the requirements. I also saved screenshots from that day. 

However, when we called today, 3 months after our account was funded ( and maintained ) with {$220000.00} on deposit, asking why we did not receive our promo deposit, we were told differently : The first person we spoke to said you have to wait 90 additional days, but you can withdraw your money as long as the account stays open. 

Still confused, since we opened the account under a different promise from XXXX XXXX, we spoke to another person at the bank that said differently. He said : no, you have to keep at least {$200000.00} in the account for an additional 90 days and you can not withdraw it and leave the account open to be eligible for the promo bonus. 

Nowhere in the requirements did it mention this being a 5 or 6 month commitment. I took a screenshot of the requirements after opening the account and it implies that it is a 3 month committment. 

My husband and I just want to be done with Citibank forever after they put me through 12 weeks of agony, lost sleep and ruined my credit rating freezing my account for 11 weeks for no valid reason ; sending them 12 forms of ID just to open a saving account, but after what they put me through, no way will I allow them to bait and switch me on their offer, with their unclear contradictory requirements. 

I come from a mortgage banking background where clear and fair disclosure is part of basic compliance. Their disclosures both verbally, and in print are very unclear and their associates contradict each other when we call by phone. 

Regardless of the 3 opposing sets of requirements from 3 different Citibank employees, my husband XXXX XXXX and I just want the bonus offer that was promised to us by XXXX XXXX on the day the two Citigold accounts were opened. 

They may have changed their rules after we opened our account, therefore I can provide screenshots of the requirements from the day the accounts were opened. 

Since they record all of their phone calls, hopefully they can find the recording from the date the account was opened between me and XXXX XXXX where he explained it would only be a 60 day requirement to have a minimum of {$200000.00} on deposit in each account, but to leave the account open for an additional 30 days to receive the promo offer. We would have never opened the accounts if we knew this was untrue.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors.

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 2022-12-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I mailed in a dispute over 30 days ago and I have not received any investigation results or correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: NC
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:
Disputed incorrect information over 30 days ago and haven't heard anything! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NY
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2022-11-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021, at XXXX PM, I noticed a man named XXXX who is employed by XXXX XXXX XXXX attempting to illegally remove my automobile from my private driveway. After I had to repeatedly ask XXXX to provide his identification or license information, XXXX provided CA XXXX by pointing at the side of his tow truck. I had already called local law enforcement to the scene. When local law enforcement arrived, the police officers on the scene refused to verify XXXX 's identity and just took the work order on his cellphone as sufficient proof. I later found, XXXX had lied to the police and told dispatch, I banged on his window. The security cameras at my place of adobe will prove that is a complete fabrication. After getting threatened with arrest by local law enforcement, XXXX was illegally allowed to take possession of my automobile. After XXXX and local law enforcement were gone, I searched for XXXX 's license status on the Department of Consumer Affair website; it appears that the license number XXXX provided is not active to his name or industry. Pursuant to 15 USC 1692c ( b ) I did not give XXXX prior direct consent for communication. XXXX infringed on my right to privacy and terrorized me when he possessed my property without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NV
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX {$0.00}

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