BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am the victim of an altered check deposited with Wells Fargo Bank and drawn on XXXX Bank. I am seeking reimbursement in the amount of {$9200.00}. 

On XX/XX/2022 I wrote a check payable to XXXX XXXXXXXX XXXX in the amount of {$6200.00}. The check was drawn my checking account with XXXX Bank. The duplicate check, indicating the payee was XXXX XXXXXXXX XXXX and the amount was {$6200.00}, is attached. 

The check was mailed to XXXX XXXXXXXX XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted XXXX and completed the attached Affidavit of Unauthorized Activity ( attached ). 

On XX/XX/2022 XXXX, having learned that the altered check was deposited into a Wells Fargo Bank account, requested reimbursement ( attached ). 
The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank Wells Fargo is strictly liable for conversion of this stolen and forged check. As payee bank, XXXX Bank is liable for an unauthorized charge to my checking account. 

I have requested reimbursement from Wells Fargo Bank and XXXX Bank but they refuse to reimburse me.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to process a request for a credit freeze with TransUnion through either their website or telephone number.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never lived in Wisconsin, I have had my identity stolen back in XXXX and I have filed it with all XXXX credit bureau. I have seen this address continuously on 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 2022-01-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i just recieved my credit report and noticed unauthorized items that shouldnt be on my credit profile for my Experian report

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 2019-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have complained many times that the credit reporting by Experian is inaccurate and they always just say wait awhile, it will be fixed later and yet it never is. They are incapable of providing accurate information and do not take responsibility for their errors. This is a fake service, designed to serve only their needs and not the consumer 's needs. I can not find any way to cancel and when I mention it on the phone I am immediately disconnected. 
I want to be a part of the class action lawsuit against them since they are responsible for reducing my credit rating, releasing my personal information and my fraud complaints have multiplied over the last 2-3 years. I have spoken to many ineffectual and uncaring agents on their phone support lines and am just tired of paying them to degrade my credit for random incorrect reasons ( like I paid a utility bill with another bank account ) and not raising it for legitimate things like paying off thousands of dollars of debt, getting 3 new credit cards with {$9000.00} dollars in new credit available. This company should not even be allowed to report credit since they have no idea what is worthy and what is not. I suggest the federal government just shut them down since they can not even keep our data secure!

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2018-04-30
Company: SUNTRUST BANKS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have asked multiple times for a cease and desist of all paper communication regarding my account, but Suntrust continues to send me prepayment notices after they claim they have completed my request. It is extremely annoying to get a prepayment notice when I only pay a few days before my due date ; it's not like I am paying several months ahead. I'm paying the current month 's payment in the month it is due, before the due date. They need to stop wasting paper and sending me these unnecessary notices. I want a cease and desist on all paper communication regarding my 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
AMEX Stole my XXXX Reward Points! 
Thats Right! AMEX stole my XXXX reward points. I had 2 accounts, one business account which I accumulated over XXXX reward points since XXXX and one personal account which I accumulated XXXX points since XXXX. I retired in XXXX and had AMEX move my XXXX points to my personal account which they did cheerfully. Covid-19 pandemic hit about this time and I did not use my personal AMEX account because of travel restrictions and the pandemic. In XX/XX/XXXX, AMEX decided to cancel my personal account because of inactivity and my rewards disappeared! When I found out about this in mid XXXX, I contacted AMEX and complained numerous times via phone calls and repeatedly requested the points and account be reinstated. The first request was submitted to AMEX an was rejected due to incomplete information so again I called and requested another case be submitted ( Case # XXXX ) on XX/XX/XXXX which it was. After numerous follow-up phone calls the case was not acted upon. In both cases I reminded the AMEX agents that the Membership Rewards Program FAQ stated We will never cancel your account for any reason without notifying you in advance. In my case NO notification was ever received via email, phone call or mail! 
My last follow-up phone call was in XX/XX/XXXX. The AMEX agent again quoted the company line stating I was contacted prior to cancellation, which I never was either by phone, email, or regular mail. ( And I check my Spam/Junk folders! ) Further the cancellation was over 90 days old so they could not reinstate my account and my points were forfeited. In XXXX (? ) AMEX changed the Rewards Program, and now states If we cancel the Rewards Program, well notify you at least 90 days in advance. You'll be able to earn or use points during that time, but we may change or cancel certain rewards. 
As of this writing I am considering legal action against AMEX, however I wanted to warn other existing and potential AMEX customers about AMEX way of conducting business. To me, I think AMEX used the pandemic to change the Terms of Service and selectively steal reward points to improve the bottom line at AMEX.

I will never again use American Express for anything unless my travel points are restored! They are a TERRIBLE Company completely without any scruples, only care about the bottom line, and will look for any reason to XXXX their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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 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 explanation
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XXXX XXXX i send a method of validation letter to Equifax LLC ( credit bureaus ) in regards to a dispute i sent about the inquires on my credit file, they return implying that the inquires have not been reporting on there file but it has been under the fair credit reporting act and the cfpb i have the right to address this inaccurate information that has been placed on my file. I've received 3 notices of completion that my disputes has bee fixed updated and clearly nothing has changed, the confirmation i received are:XXXX XXXX XXXX ..i have asked them for any documents with my signature pertaining to these unverifiable, unauthorized, inaccurate information that has been placed on my file. There practices under cfpb is not in compliant with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: CA
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:
Account number ending in : XXXX Wells Fargo case number : XXXXThe XXXX XXXX XXXX XXXX XXXX. accounts that you may be responding to, were not being reported by XXXX nor XXXX  ... however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY NAME IS XXXX XXXX XXXX OR XXXX XXXX XXXX.PLEAASE PEMENITY DELETE XXXX XXXX FROM MY RPORTS IS ISNT MY NAME...

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 2019-07-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax about 2 collections on my credit file which are showing open and without a creditor 's name on the item, only numbers. The agent told me that it was showing closed on their end but a dispute would be submitted. I received an email notification for results completion on XX/XX/XXXX, but it doesnt provide a means to display the results for confirmation XXXX. I have previously been told I must have been accessing the old system. I refreshed my Equifax credit report today, but no changes have been made. I have been adversely affected by the improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
One or more things have been taken off of only one of the three 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
Consumer complaint received 2022-01-31
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This SANTANDER CONSUMER USA XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SANTANDER CONSUMER USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent account I didnt open it and I have a policereportto  prove it. The credit bureaus wontremove it.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/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 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As a " valued customer '', I received a letter from Bank of America suggesting I switch to the Bank of Am. Unlimited Cash Rewards card. " Make the switch and get a {$200.00} cash rewards bonus after you spend at least {$1000.00} on purchases made by XX/XX/XXXX, XXXX.Your current account number and credit line will stay the same. '' I signed up for the switch on XX/XX/XXXX Confirmed on XX/XX/XXXX balance of {$1000.00} on card. 

Called and confirmed I'd met requirements for offer on XX/XX/XXXX Told just to wait for statement credit to show on account. 

Never showed XX/XX/XXXX sent feedback electronic form with copy of marketing piece noting directions and that I followed them, Bank of Am. associate told me on phone call that I'd done everything correctly. 
SUBSEQUEST FOLLOW UP CALLS : Assoc. told me I had to wait till XX/XX/XXXX to start making purchases?? Then another phone conversation told me I made my purchases too early??? 
Same account number, purchases made before XX/XX/XXXX. 
" Switching your card has never been easier '' - NOT!!!!

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