BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020 a lady named XXXX XXXX called 3 family members. Violating confidential information by telling one of them that she was going to 1. ) sue me for an old debt that I have with 2.  ) Key Jewelers also 3. ) giving the amount that I owe. Giving all info to a third party is illegal and against the Fair Debt Collection Act. 

When I called back and spoke to XXXX, She was not satisfied with me not being able to pay for the debt at the time, she threatened me twice by saying she was going to take me to court and sue me. When asked for an address to send correspondence to, she refused to give it. Making threats is also against the Fair Debt Collection Act

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
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: Public record information inaccurate

Complaint:
Pulled my free annual credit report from Equifax and my old bankruptcy is still listed on the report. I was advised at the time of filing this chapter of bankruptcy would remain on my report for SEVEN years which has no passed. I attempted to file a dispute but was advised Equifax could not verify my identity after it had already been verified to receive the report. Equifax Report Confirmation # XXXX. I think this is ridiculous. 

My bankruptcy is over 7 years old which I was advised was the time limit for the case remaining on my credit report for the Chapter of Bankruptcy I filed in XXXX of XXXX. Reference Number : XXXX on Equifax report date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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, These creditors have violated my rights under 15 U.S. code1681 section 2. I have the right to privacy.

Also 15 U.S. code1681 section 604a a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. Please don't ignore my request to repair these inaccurate items 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

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 2022-12-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Td bank allowed someone to steal my identity and steal over XXXX dollars out my account they then wouldnt reimburse me for identity theft or let me file a claim cause my account was closed due to whoever stole my identity depositing fake checks into my account till this day I still havent gotten reimbursed for my business checking account when I call they tell me go to the branch to make the complaint and file a dispute when I get to the branch the workers are to lazy to file this the dispute cause they have to do it manually and then the branch wont let me open a new business account just incase I do find a good worker that will file these disputes and a provisional credit is granted they are not treating me fairly and its like Im just out of all that money behind this I really need a lawyer for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions 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:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection 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 explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Wells Fargo XX/XX/22. I gained access through the app that week. On XXXX I sent a XXXX of {$500.00} from my XXXX XXXX XXXX  account to fund my Wells Fargo account. Yesterday on XXXX I lost access to mobile and online banking. I called Wells Fargo who said my balance was {$15.00} and that I will not be allowed access to my account. Wells Fargo not only is not allowing me mobile/online access to my account despite me providing all of my info to them. Wells Fargo has also " lost '' or stolen my {$500.00} which I need to pay bills. I called Wells Fargo again today XXXX to gain resolution and was told to go XXXX myself they can not help me. I am writing to the CFPB to hopefully gain access to my account and get my money back.

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 2022-10-17
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I attempted to initiate a bank to bank transfer of {$200000.00} from my XXXX XXXX savings account to my M & T checking account in preparation for closing on a home. The transfer was supposed to have completed on XX/XX/XXXX, however, on XX/XX/XXXX, the money was instead returned to my XXXX online savings account. I subsequently learned that M & T has a daily incoming transfer limit of {$2000.00} and a 30 day transfer limit of {$5000.00} in a call to them on XX/XX/XXXX. I contacted M & T again on XX/XX/XXXX in an attempt to request a raise of this limit to allow me to transfer {$63000.00} from my XXXX XXXX savings account to my M & T checking but was rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
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: Investigation took more than 30 days

Complaint:
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: MD
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've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. 

PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. 

XXXX did the opposite. They reported false, inaccurate info to the XXXX major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. 

This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). 

XXXX has refused to continue to report my account as current affecting my credit score and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my credit score. 

This is my final attempt before filing in federal court.

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 2023-06-06
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2023 I erroneously sent a payment to my new Citibank Credit card for {$170.00} before I received my statement. I called the company when I noticed my payment wasn't credited. My acct was credited and I thought the problem resolved. However, the payment was reversed on XX/XX/2023. I again contacted the company many times without resolve, last contact was on XXXX/XXXX/203 with XXXX. I just noticed they reversed ANOTHER credit card payment paid on XXXX for {$270.00} on XX/XX/2023. I sent a letter on XX/XX/2023 without resolve and with documentation ( my bank statement indicating payments made and the welcome letter from Citibank with the prototype card that I erroneously made payments to ). I received notification that they did not have enough information to credit my accounts. I have since paid this account through their online system ( from the same bank account they are reversing the other payments ).

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 2022-03-21
Company: Albert Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card from this company in the mail today that I did not apply for. There is already a freeze on my account so I am unsure how they were able to open a card in my name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Asked XXXX XXXX XXXX XXXX to stop calling my cell phone repeatedly 5-6 times daily. After that I started getting a the same calls from XXXX XXXX XXXX XXXX now showing up as unknown caller with no number sometimes 10 times in one day.

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 2022-12-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX. I received a text message XX/XX/22 from XXXX XXXX asking about a XXXX XXXX XXXX in XXXX Florida for $ XXXX reply yes if recognized or no if not- I responded no. Then I received a call from a man claiming to be XXXX XXXX XXXX with Wells Fargo XXXX XXXX the caller ID read WELLSFARGO ( XXXX ) XXXX. While on the phone with him, he sent me a text message with a link on it. I clicked on the link. The link opened and appeared to be a Wells Fargo page to enter info. Among the questions it asked for the pin # to which I told " XXXX, I'm not comfortable sharing this info '', he was unfazed and said he understands and that's ok & that he could gain access a different way. Then, he sent me the an " XXXX XXXX XXXX '' over text message and I read it to him. At that point he had access to my account and started asking which charges were legitimate. The only unrecognized transaction was the XXXX to XXXX XXXX. The call went on for 37 minutes with him sending me XXXX  more " XXXX XXXX Codes '' throughout while he led me to believe he cancelled the wire and claimed he was closing the account and sending me a new account and card. He said the money might leave the account briefly but to rest assured it would be re credited in the account in 1 day. Throughout this call I missed a call, caller ID read XXXX XXXX from XXXX. She left a message claiming to be XXXX with Wells Fargo XXXX XXXX XXXX and Asked to call her back as soon as possible. I never returned her call. After I got off the phone with " XXXX '' I went back to work for a bit maybe XXXX min to an hour. Then I decided to see if I could still log in to my business account. I was able to and that's when I got real worried because the account was supposed to be locked. At XXXX I called Wells Fargo XXXX XXXX and spoke with XXXX. After filling him in on details he instructed me to go to a Wells Fargo XXXX right away. I went to the XXXX XXXX branch XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and worked with a banker- XXXX XXXX and Wells Fargo XXXX XXXX XXXX phone to attempt to reverse the wire and change passwords. Now they say I wait XXXX business days to see if they can recoup my XXXX  in funds. I want to be clear- I never shared my sensitive info with anyone, I never initiated the money wire in any way. I made an attempt to stop it almost immediately. 
Update XXXX I got a call and a email from XXXX at Wells Fargo denying my claim. Also they said they are mailing me their evidence and I will receive it within 30 days.

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 2021-03-05
Company: LoanCare, LLC
State: MI
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:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus NEVER Did Proper Investigationaccording to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE The credit bureaus stated this account was properly investigated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL They Also Violated the law because according to 15U.S.C 1681 Section 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Section 604 A States a Consumer reporting agency can not furnish an account without my written instruction. 


I DID NOT GIVE ANYONE 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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires, also code 15 USC 6802 ( B ) has been violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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: 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 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 explanation
Consumer complaint received 2021-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a secured credit card through Wellsfargo Bank. I was upgraded to a non secured card and my deposit was supposed to have been paid back to me. I was told that I should receive a check in the mail by XX/XX/2021. I have never received that check. So calling them back I was able to reach someone who said they could put the funds directly into my account. As of XX/XX/2021, I still haven't received anything. Calling Wellsfargo today after speaking to 4 or more people I was able to speak with XXXX who informed me that the check had been cashed on XX/XX/2021. The next person I spoke with states that XXXX should have not told me. I appreciate XXXX. I don't appreciate all of the other workers that continue to fail to do their jobs. Also I was told the only person whom can assist me is XXXX and his phone number is XXXX XXXX XXXX XXXX. I left a message. My credit score is dropping due to high usage because I had planned on using the XXXX dollars to pay of the credit card balance. No one has helped me get my funds back.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

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