BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with all three credit bureaus against Jefferson Capital and the results came back as accurate. Its impossible! The collection was for a cell phone company that we dont have here in Colorado XXXX They claim it was opened XX/XX/2022 but I lived in Colorado and was on my husbands phone plan and then we switched to XXXX. I can prove that. I think I am a victim of fraud bc prior to that I was on my daughters phone plan. Its been 6 plus years since I moved to Colorado. I need help because according to the fair credit reporting act, the company needs to provide certain information which they did not do. Please help me! I have worked really hard on my credit and after all these years this is ridiculous. I have never received anything in the mail regarding the collection and have zero prior knowledge of this. I know that they have to provide the original contract, account number, date and proof that I own the account and none of that is on my credit reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I went to the XXXX XXXX store to finalize the contract for a kitchen home remodeling project. I was in the process of paying for the project with a combination of credit cards. All the credit cards went through successfully except for FNBO 's who denied the charge, blocked the card, and accused me of attempted fraud. These accusations continued and escalated. The first contact I spoke to said, " A lot of people are purchasing gift cards with credit cards at XXXX XXXX and XXXX. '' Then, in a follow-up phone call I received from them, ( I am paraphrasing ), " If you you are involved in any more scamming activities ... '' Then, in a letter I received from them, " and you are associated with other persons who are doing so. '' These accusations escalated even after and despite my complaint to a higher managerial person about the false accusations. I, as well as the XXXX XXXX kitchen designer, were appalled at the initial rudeness and obtuseness of the initial customer service rep of FNBO. The fact that a manager did not put a stop to these accusations, and perhaps is a force behind their continuance is also appalling. There is a stark level of difference between FNBO and all the other credit card companies. I am not exaggerating when I say that I perceive that this company is dangerous to customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: GA
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 am XXXX XXXX, and I am submitting this request to dispute the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable accounts on my report, and they never sent proper validation of the accounts. They assured me that it had been confirmed, but they never sent me any form of verification or an original contract bearing my signature. They have demonstrated a disregard for my request and a refusal to oblige. I am certain that they are required to comply with the Fair Credit Reporting Act by providing proof, documents, and definitive and accurate responses within the statutory time frame. However, if they fail to do so, they must remove any incorrect or unverified content. Their adverse and unacceptable actions have severely harmed my credit scores. Please refer to the points listed below : 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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/ I I was approached by a man through XXXX. I was selling my art paintings. He convinced me to go through XXXX. And buy them as NFTs. About a half a day went by and they just kept asking for more fees before I could receive my {$27000.00} payment. They took four transactions out of my bank account. {$100.00} {$200.00} {$600.00} and {$600.00}. I would like to receive my money back since it was a fraudulent charge. My bank is refusing to give me my money back, even though I did not receive a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had this Chase XXXX for many years. Recently, approximately within the last year, I started seeing offers on my billing statement. These were " My Chase Plan '' offers. 
The offer was/is a pay over time plan. I used this " Plan '' a few times. there was no charge or a small monthly charge. My current " Plan '' I used to pay over time a XXXX XXXX XXXX premium. ( {$400.00} ) over 6 months at {$1.00} monthly fee. 
All well and good up till now. 
On or about XX/XX/XXXX Chase sent me an email saying I could put {$10000.00} on my credit card ( Ch XXXX ) and pay no interest until XX/XX/XXXX. As I have been having some financial issues of late, I took the offer understanding that there would be a one time {$500.00} fee. 
What I did not understand, what was not made clear to me and what I find deceptive and fraudulent is that I will always have to pay interest on the My Chase Plan balance as well as any other charges on that card at 17.49 %. Only if I pay {$10000.00} by XX/XX/XXXX can I avoid interest charges. 
Chase designed this interest trap and is perpetrating on its customers.A Chase supervisor explained this to me yesterday and said that the disclaimer read to me by the fast talking lady on the recording may have mentioned this and that I would never be able to avoid paying interest until the {$10000.00} was paid off Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX  ( the Company ), which involved me making deposits for a total amount of XXXX XXXX  from my Wells Fargo account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargos custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargos conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen 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 2023-04-20
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing this letter to express my dissatisfaction with the permanent limitation placed on my PayPal account. I strongly believe that this action was taken in error and without proper justification. As such, I am requesting that PayPal re-investigates my case and restores my account if possible. 

I have always been a law-abiding and responsible user of PayPal, and I have not violated any of the company 's policies or guidelines. Therefore, it came as a surprise to me when I received a notification informing me that my account had been permanently limited. 

I would like to reiterate that I have not engaged in any fraudulent or illegal activity on PayPal. I have always followed the company 's policies and have never been involved in any disputes or chargebacks. 

I understand that PayPal has its own protocols and procedures for dealing with account limitations, but I believe that in this case, a mistake may have been made. I respectfully request that PayPal re-evaluates my account and provides me with an explanation for the permanent limitation. 

If it is found that my account was indeed limited in error, I would appreciate it if my account could be fully restored. I have been a loyal and active customer of PayPal for several years, and it would be a great disappointment to lose my account due to an error. 

For your reference, the email address on my PayPal account is XXXX. 

Thank you for your attention to this matter. I hope to hear from you soon with an update on my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I initiated an ACH transfer to have funds transferred from my USAA account to my newly opened XXXX XXXX XXXX account. Approximately XXXX hours later, my USAA account reflected that funds were debited from the account. However, my XXXX XXXX  XXXX account still shows the funds never arrived. I notified USAA and requested that the transfer be reversed ; they informed me that I would have to file a dispute instead. After filing the dispute, it is common practice for USAA to issue its customers a provisional credit to make them whole in the interim or while the case is being investigated. USAA refuses to do this, more likely due to my increased spending activity. I am an unemployed, XXXX veteran, and I just moved into a new apartment, so my spending has increased due to furnishing my apartment. I also have bills that will become due over the next few days and likely will be unable to pay them due to USAA 's neglect and I've notified USAA of this many times, yet they have ignored my request. I would like to ask if someone could investigate this matter so that I can receive a fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
We discovered that Wells Fargo has been charging our account a $ XXXX fee due to our account balance below an excessive threshold {$250000.00}. When we inquired why this fee is being assessed, we were informed that Wells Fargo converted our account without our consent to a new account that enforces a minimum balance of {$250000.00}. We have since tried to reverse these charges because the account conversion was made WITHOUT OUR CONSENT OR KNOWLEDGE. 

We have also since tried to reverse these fees, which Wells Fargo has only done for a portion because they claim that they do not see these fees charged to our account. We have pulled the online monthly statements clearly showing where the fees are being charged and deducted automatically from our account, but Wells Fargo have refused to accept they have done so - and also refusal to review our monthly statements showing these unauthorized charges.

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 2022-08-27
Company: Square One Financial, LLC
State: AZ
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 has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: SC
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:
I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit 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 2022-04-04
Company: EQUIFAX, INC.
State: IL
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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account be deleted or updated. This is the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX. I am XXXX XXXX in XXXX XX/XX/XXXX. I applied for your card. Unfortunately to this day I have not received any answer from you. On XX/XX/XXXX. I applied again. And again I did not receive any answer from you. This is despite the fact that in both requests you sent me. An email we will let you know soon. So kind of deserve your word. Towards the citizens. Therefore, please send me your answer in both cases. Sincerely, XXXX XXXX. XX/XX/XXXX To the address that I used for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NJ
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:
Account : XXXX XXXX Account # XXXX Is currently reporting late on my credit report starting from the month XX/XX/2023 to XX/XX/2023 which is INACCURATE. an I request that the late payments be IMMEDIATELY Removed an updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, XXXX and Transunion are using fraudulent practices and color of law to continue the practice of identity theft when these corporations knows that there is no money the United States Corporation is broke. These credit companies are using unlawful practices to continue manipulating the credit of the XXXX XXXX XXXX, living being who owns the name, XXXX XXXX XXXX. These companies are using unlawful practices!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Information is missing that should be on the report

Complaint:
I've previously written XXXX and Equifax three letters to update my personal data. A portion of the information on my credit report was for homes I've never lived at, and I requested that they remove old, out-of-date addresses, phone numbers, and employment information in three separate letters. They never removed the locations and places of employment, so I'm going to initiate legal action against both agencies for failing to remove inaccurate information and for violating FCRA by not disclosing information that is 100 percent accurate.

Company response to consumer: Closed with explanation