BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Wells Fargo on XX/XX/2023 to report that two transactions I had made on XX/XX/XXXX turned out to be fraudulent. I provided the person I spoke with when I called the details of the claim ; that I had made a purchase that was supposed to be fulfilled within a certain timeframe and it wasn't. Therefore I contacted the sellers customer support through their website and their email, and I didn't get a response for either. There was no sign of tracking or shipping updates, and after further research online, other people were experiencing this as well, so I figured out I had gotten scammed. I also mentioned that on the website, both orders say unfulfilled on their part. The amount of money for both transactions was, ( {$710.00} & {$390.00} ). The person I spoke with, informed me that the information I provided was sufficient to file the claim and get it investigated. I thanked him for his help and asked him if I should also file a police report or submit anything else. He said nothing else was needed for the claim to be processed. So I continued on with my business. Since I didn't receive my money until 6 days after, within those 6 days I was calling the Wells Fargo XXXX number three separate times trying to get a status update or anything but I was not able to reach them any of these times, after being on hold for around XXXX minutes each time. As I do every week, I also went in physically to the bank to make my weekly cash deposits, every time I asked the teller to provide me with a status on the case they told me there were no updates they could give me. Today, I received a letter from Wells Fargo claiming that they are going to charge my account for that money, since they could not get my " side of the story '' or evidence to finish their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I sent Citi Bank a certified letter with a settlement offer in the amount of {$1000.00}. I explained my current financial situation and included terms that if the company accepts my check by cashing it they would agree that my account would be paid in full. The settlement check was cashed and now they fail to honor the terms. Prior to me sending this check my account was in a positive status and had never been late. My account has been reported as last to the Credit Bureau. Since XX/XX/XXXX I have been receiving numerous collection calls threatening legal action against me. I acted in good faith, but it appears that your company chose to act in a deceptive manner.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputing with Transunion since last year with the Bankruptcies that is on my consumer report, yet it still has been a life burden on me and my family. I have disputed the bankruptcies for so long and it aleay came back verified. The method of verification, that they provided to me was thru XXXX XXXX. My credit file has been frozen since last year with XXXX XXXX, and also I have verified thru XXXX XXXX, that I do not have any bankruptcies on my consumer report. On XX/XX/2023 I made a complaint against them to the CFPB and their ( XXXX ) complete investigation came back ( verified ) like always. I have uploaded the documents of the information that I received from XXXX XXXX. This is my second complaint to the CFPB against Transunion. This has held me bound for too long, because of this. I have been trying to buy me a house and this has damaged my reputation. This is a very stressful ongoing issue of reporting inaccurate accounts .This is also a Violation of 15 U.S.C 1681b.

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 2023-04-21
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: KY
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 Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # 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

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 2023-08-17
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 status incorrect

Complaint:
I am writing to express my deep frustration and dissatisfaction with the uncooperative and non-compliant behavior exhibited by Experian in addressing a fraudulent item on my credit report. Despite repeated attempts to rectify this matter, Experian has displayed a blatant disregard for consumer laws, including Metro 2 guidelines and CFPB regulations. 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$470.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$300.00} Highest Balance : {$470.00} Terms : - On Record Until : XX/XX/XXXX Despite my repeated requests, Experian has not provided adequate documentation regarding the method of verification for the aforementioned fraudulent item. This refusal to disclose information that directly impacts my financial well-being raises serious concerns about Experian 's compliance with legal obligations and transparency standards.

Furthermore, Experian 's failure to thoroughly investigate and address this issue is a clear violation of my rights as a consumer, as well as Metro 2 guidelines and CFPB regulations. I have diligently followed all necessary steps to dispute the inaccuracies and potential fraudulent activity on my credit report. However, Experian 's reluctance to take meaningful action reflects a lack of commitment to its responsibilities under the Fair Credit Reporting Act. 

I am deeply disappointed by Experian 's behavior and demand that the Consumer Financial Protection Bureau intervene to ensure that this matter is promptly and appropriately addressed. I kindly request that you thoroughly investigate this case and take necessary actions to hold Experian accountable for their violations. 

I look forward to your prompt attention to this matter and a swift resolution to rectify the fraudulent item on my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or clarification. 

Thank you for your immediate attention to this pressing issue.

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 2018-10-26
Company: Crow Creek Sioux Tribe
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1000.00} from XXXX in XXXX. I have paid over {$2000.00} so far at every other week payments of over {$340.00}. They also made the payments due before paydays and refused to change it after sending in paystubs. They also would not let me pay off early. The interest charged would have cost me over {$6900.00} to complete. They are not licensed in the state of Colorado and the interest rate is outrageous. I closed my bank account and told them I am done paying as I feel paying over {$1000.00} in interest is sufficient. They are threatening to sue me and ruin my credit by putting it into collections on all three agencies. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX, my credit report has not been updated in months. I was instructed to call the XXXX XXXX and XXXX to find out why my credit report was not being updated. I was informed by XXXX XXXX and XXXX that the credit bureau has an XXXX  block ON MY REPORT PREVENTING them from reporting. I continue to be put in a loop and the credit bureau to call the credit FURNISHER, odds are there is a block on my report not that 3 different reporters are not reporting for me. My credit is not frozen PLEASE un block it. 


I NEED TO BUY A CAR. THIS ISSUE IS DRAGGING MY SCORE! I DO NOT HAVE THE MONEY FOR 29 % INTEREST. TAKE THE REPORTING BLOCK OFF MY CREDIT REPORT. UPDATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account # 4 XXXX XXXX  Account # XXXX XXXX  XXXX  Account # 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

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 2022-10-25
Company: Consumer Portfolio Services, Inc.
State: OH
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 number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm having some issues to use my debit card I'm in XXXX  I'm XXXX XXXX XXXX chase place a restriction on my card and they want me to step on a branch to verify me right now I have an emergency my doughter needs a XXXX and I need to pay for it her life depends of that I hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 am a victim of identity. I notified Experian and all the credit reporting companies. I have a XXXX  XXXX XXXX XXXX worth a XXXX $ card limit that was fraudulently open. I have asked Experian to please remove it from my report. All other reporting agencies, have removed the inaccurate reporting.

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 2022-03-09
Company: EQUIFAX, INC.
State: CT
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: BB&T CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went to BB & t Bank on XXXX XXXX XXXX. in XXXX XXXX in the year of XXXX, XXXX.I was denied a loan both times. 1 st reason was because of me filing chapter XXXX in XXXX XXXX. 2nd reason was because of my debt ratio. I explained and told Mr. XXXX XXXX that I have 2 cars 2 houses in my name. One car, one house belongs to my daughter which she makes the payments. I had to show this information before I was granted the mortage with BB & t, 5 years ago. I need the money to have trees trimed and cut which my insurance co. does not approve of giving any money, to help me. My next door neighbor is bugging me about getting it cut. My email address is XXXX my contact number is XXXX. I feel that I'm not being treated fairly. I feel that Mr. XXXX made his own decision about my loan. I never received a letter from the underwriter, confirming the reason why I can not get a loan. I will wait for a responds from you all.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-21
Company: Paypal Holdings, Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I bought a product online and used PayPal 's pay later. The plan total was XXXX with the first payment on XXXX till XXXX of XXXX XXXX payments. Problem is I made my first payment and then XXXX other payments on the first month and the XX/XX/XXXX payment keeps showing up. I called PayPal and asked why the payment is not coming off and they said it comes off the back end so when you make a payment it keeps showing a XX/XX/XXXX due date. I never saw a loan where your payment comes off the end dates instead of the next payment due date. 

XXXX One-time payment XX/XX/XXXX Payment received- {$37.00} One-time payment XX/XX/XXXX Payment received- {$31.00} One-time payment XX/XX/XXXX Payment received- {$31.00} XXXX  XX/XX/XXXX Purchase amount {$340.00} Purchase date XX/XX/XXXX Purchase amount {$340.00} Plan total This updated total includes any additional merchant charges such as shipping and taxes, as well as any refunds or other adjustments. 
{$360.00} Total interest {$17.00} ( XXXX 13.99 % p.a. ) Total amount {$360.00} {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XXXX XXXX, XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$15.00} on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I have pulled my consumer report and noticed that XXXX XXXX XXXX  has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX with the balance updated as of XX/XX/XXXX in the amount of {$450.00}. 

XXXX XXXX XXXX  has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead XXXX XXXX XXXX  charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by XXXX XXXX XXXX  is inaccurate. I also have reason to believe XXXX XXXX XXXX  is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I have reason to believe that XXXX XXXX XXXX  is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if XXXX XXXX XXXX  has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. 

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ). 

The following account beginning with # XXXX with the balance of XXXX is to be deleted from all credit reporting agencies.

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