BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: MO
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:
Our credit card is being billed {$19.00} twice monthly ( assumption is that it is for both of us ) by Experian* Credit Report. We have not subscribed to any membership nor authorized any charges whatsoever. Experian does not publish any phone numbers that would allow anyone to speak to a live person. I have called Experian, given my social security number, date of birth and other personal information and tried to cancel " my membership '' and the system responded ( as it should have ) that there was no membership to cancel. 

I have filed a fraud dispute with my credit card company. They refunded the charge, but required the issuance of a new card/account number. My choice is now to close out my credit card or reissue for the fourth time ( which I will not do ). 

I am incensed at XXXX XXXX XXXX for allowing a merchant to make charges to my account without providing a phone number that allows the consumer to dispute or cancel services with the merchant directly.

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 2021-08-16
Company: EQUIFAX, 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 XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to Equifax, XXXX, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, I went to a branch of Citizens bank which is located on XXXX XXXX XXXX, XXXX Massachusetts to carry out a foreign wire transfer to XXXX. Upon completion of the transfer of the sum of {$16000.00} ( XXXX XXXX, XXXX XXXX and XXXX dollars ) from my checking account with Citizens bank of which {$80.00} dollars was the transfer fee for the bank, I was issued a receipt. Equally, I was assured that the transferred funds will be in my beneficiarys account on or before XX/XX/2023. After the assured date, the money was not deposited in my beneficiary account which I provided to the bank. I called Citizens bank severally to make a formal complaint about the issue and I was told that they will send a note to the intermediary bank to inquire about the funds. Upon subsequent calls, I was told that they can not force the intermediary bank to respond to their note. 
On XXXX XXXX, I made a formal request to recall the said funds. However, the bank officials told me that they can not force the intermediary bank to refund the money nor compel them to respond to their note. I have not received the said refunds up till this moment. Also, they kept saying they can not force the intermediary bank to refund the said funds and they can not force them to respond to their note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I write to you today most distressed and broken knowing Ive written to you already pertaining this case with AMEX XXXX XXXX XXXX account. 

COMPLAINT ID XXXX Submitted : XX/XX/2022 As of today, XX/XX/2022 I am yet to receive my funds due from the closing of my account. Ive called multiple times and still no one has provided me with a resolve to me getting my total funds of {$940.00}. 

On XX/XX/2022, I was lied to and given a fake item number by a female associate on the AMEX team. This item # is as followed : XXXX. I was misinformed by this associate claiming my funds had been sent out through the USPS. She further told me to expect my check on XX/XX/2022. Which was yet again another disappointed & stressful situation seeing that once again there is no check in the mail. 

On XX/XX/2022, given the reality of the absent check I called AMEX looking for some relief only to find out no check was issued. And, the indemnity form sent back to them was still in process, sigh. Its been over 2 months since waiting on my refund. I am very stressed and have been left to borrow money from my sister to cover my expenses. I am a mother of XXXX children all under XXXX XXXX XXXX. I simply want my funds back. 

Another issue Ive with AMEX is how poorly Ive been treated as a customer, their inability to deliver prompt & proper care and the lack/absence of a supervisor/manager to hold anyone accountable. Managers are always absent. And, even when when promised a call back, no one follows up with your concerns being clarified. 

Another important point to note is the unending wait period to speak with someone in the back office/ banking operations team. This is every single time that Ive had to call. Also, every other documentation sent to me by the bank has been received in my mailbox, all except the supposed checks that were sent out. 

In closing, prior to completing this form I was once again informed my account details are still in processing. How much longer must I wait? 

Please help! 

Signed, Distressed consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: Conn's, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On or around XX/XX/XXXX, I received a letter from Conns concerning my current account with them. The letter advised that my credit line has increased {$1000.00} due to my good payment history on my account. Two days later my window AC unit went out, so I decided to go into my local Conns XXXX XXXX located on XXXX XXXX in XXXX XXXX to add a {$500.00} unit to my current account with Conns. I did not think that it would be an issue since I was just sent a letter that increased my credit line. But, this turned out to not be the case. The sales rep asked for my SSN and I assumed that it was to pull up my current account which she did. She advised that she did not see the additional $ XXXX and would need to contact the Credit company to see why. She asked me to wait, when she returned about 5-10 minutes later, I was advised that she ran my credit and Conns was unable to extend credit to me. I did not understand considering I was sent a letter increasing the line on my current account. I never gave permission for Conns to run a new hard inquiry on my credit but they ran one anyway without even advising they were doing so. When I asked about the letter I received, the rep did advise that she sees where they sent me the letter but it did not mean anything and Conns sends these letters out to get the customer to come into the store so that they can run their credit. I was appalled and have made a complaint with the XXXX  in which Conns refuses to acknowledge that they ran my credit without permission and just keep providing paperwork I signed in XX/XX/XXXX for my current open account as proof. Conns refuses to do anything to correct the inquiry on my credit report or even take credit for the letter that they used to lure me into the store with false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo credit card reduced my available for purchase balance, from information gathered by credit card services that labeled me a risk. 
I have never been late on payments to wells fargo or any other financial institution, I dont feel I was treated fairly. 
When wells fargo reduced my limit they put me over 75 % usage, taking the surplus cash needed to make my account usage bellow 35 %. 
Being over 35 % in usage is negative to my credit rating, This hurt my small business as far as future growth, its more like a handicap. Credit card services has made a niche for them selves by making the banks believe they are providing protection. 
These people dont know anything about me. I lost my job 2008 during the banking failure, my home was being foreclosed, I pulled my home out and paid all my bills due and raised my credit score to XXXX, I did all of this while raising a family. 
I dont know if they broke any laws, They have certainly proved to be adversarial contrary to all things America should be.

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 2022-03-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A friend recommended this salvage car dealers online to purchase a car from them. They have on thier website that they located in Florida, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ). I purchased the car with them through a bank transfer ( {$9500.00} ) and after payment they are not answering my calls or responding to my chat. These people are hiding behind closed doors and scamming people. Lots of people have fallen a victim. They need to be investigated and arrested immediately. This is thier website XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. Equifax is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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: 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 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Experian account was hacked. I called multiple numbers and was unable to speak with a representative. I was offered only automated options and NONE addressed how to regain and protect a hacked account. In researching ways to solve this problem, I discovered that it is a common problem and Experian is aware of it and rather than fixing the issues, simply made it more difficult for people to report the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. XXXX, XXXX, and Transunion are credit reporting business agencies, who have the duty to protect consumers privacy. According to the Family Educational Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. XXXX, Transunion, and XXXX are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.

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 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a MasterCard through Capital One that was subjected to fraudulent activity when Capital One issued a virtual " Fast Card '' to a man in XXXX, FL, on XX/XX/XXXX. I was alerted ( via my email address ) to this new account they issued, along with changes to my address, phone number & email address ( which were all done over the phone ). I immediately called Capital One 's fraud department & told them about these fraudulent activities and sent them copies of my NC state issued driver 's license & social security card. I was issued a case # XXXX. All changes to the account settings were reversed & I was told any fraudulent charges would be reversed. They also cancelled my credit card ( along with my son 's card that is attached to my account ). They told me they would send me a new card in the mail. At this time, they also issued the criminal in Florida a new card as well - I discovered this while checking in to see if my account had been straightened out. So more fraudulent activity started taking place, more promises of resolution. I withheld one of  my payments during time after hearing they allowed this criminal to open a Visa account in my name ( I was told it was immediately closed by the fraud department but I have no way of knowing because it was a new account that I have no access to, not a hacked version - I have no Visa accounts ). After the bulk of the fraudulent activities were cleared up, I resumed my payments, making a double payment to make up for the one I missed. This entire process to date started on XX/XX/XXXX &  continued through XX/XX/XXXX. I contacted Capital One this month ( XX/XX/XXXX ) twice to resolve some remaining issues, but was first told by customer service that someone from fraud would call me back & the second time was bounced back & forth from fraud to customer service for 35 minutes only to be told no one knew how to resolve any of my problems. My issues : 1. My interest charges are still divided between Purchases ( mine ) & Cash Advances ( fraud ). 2. My interest rate went from 23.99 % to 24.24 % during the time of this fraud case. 3. I was given a {$25.00} late charge during the 2nd month of the case for withholding payment until Capital One started resolving the fraud. 4. The extra {$16.00} I was charged so Capital One could issue a " Fast Card '' to the criminal was never refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MD
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 2022-02-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried months to get this fraudulently address off my report experian refuse to remove 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 explanation
Consumer complaint received 2022-08-09
Company: Resurgent Capital Services L.P.
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:
Dated XX/XX/XXXX. Resurgent Capital Services - Cach, LLC., XXXX XXXX XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I checked all 3 of my credit reports and discovered that there is an inaccurate debt noted on my XXXX and XXXX credit reports. This false debt is being reported by a collection agency known as Vance & Huffman , LLC. It is being inaccurately reported that I took out a loan in the amount of {$250.00} in XX/XX/XXXX. I immediately disputed the claim with both credit reporting agencies and contacted the original company from which this false debt came from - XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX relayed to me that I do not owe them anything, I DID NOT TAKE OUT ANY LOAN in XX/XX/XXXX. XXXX XXXX agreed there has been FRAUD and IDENTITY THEFT against me and escalated the matter to their Financial Crimes division. XXXX XXXX has said that they would contact Vance & Huffman to remove this invalid debt. So far, Vance & Huffman have failed to remove this false debt on my credit reports as my disputes have been refused by them. This inaccurate credit reporting has caused me financial harm and emotional distress. My credit score and financial standing have been horribly affected by this blatant misinformation. Vance & Huffman LLC is violating the law by reporting inaccurate and false information about me on my credit reports in trying to collect on a fraudulent claim.

Company response to consumer: Closed with explanation