BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Home Depot issued me a credit card with a {$8500.00} limit. On XXXX without cause, I received a letter stating they decreased my limit to {$6300.00}. I was in a middle of a major renovation project and when they decreased my limit, the project had to come to a stop because there was no available credit on the card. I immediately contacted Home Depot as I always paid on time, made additional payments, often paid the balance off in full, and was never late. They agreed this was an oversight and they then increased my credit back to {$8500.00}. A few months later they increased my credit limit to {$11000.00} as we started another major renovation project. Then on XXXX, I again received a letter stating Home Depot decreased my limit to {$8900.00}. Once again, our renovation has come to a complete stop because they decreased the limit to having only {$49.00} in available credit. Most importantly, every time Home Depot decreases my credit limit to the balance owed, it negatively effects my credit score.When my credit limit is dropped to the balance owed, it then shows I am using 100 % of my available credit. This unfair trade practice dropped my score XXXX points each time Home Depot did this. This is an unfair practice because as mentioned above, I always paid on time, made additional payments, often paid the balance off in full, and was never late. In fact, this is true for all of my lines of credit- nI have an exceptional pay history! It is extremely difficult and takes a lot of time to build credit and its is unfair that a credit card company can decrease my credit limit and damage my credit score. Home Depot should be held accountable for damaging my credit score!

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 2023-06-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I ordered checks from Wells Fargo ( XXXX actually prints them ). They were mailed to the correct address, however the checks were printed with my husband 's ATM PIN number rather than our house number. We're concerned that XXXX, or even Wells Fargo for that matter, would know our private PIN 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 2022-08-08
Company: Experian Information Solutions Inc.
State: VA
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:
I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: VA
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:
I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 filed a claim/dispute with Capital One Bank in regards to International fraudulent charges to my new checking account. It looks to have been done all over the internet from foreign countries such as XXXX and XXXX through fake sites or online portals. 
Capital One has all my information on file but yet denied my dispute and is claiming all charges were valid. I live in Hawaii and have never been or bought anything from XXXX or especially XXXX!! 
Capital One refuses to help me any further with my disputes or with getting my money back! Now I'm out XXXX!!! I've been trying desperately to get this fixed because I need my money back! They keep brushing me off or they just deny my disputes in general saying that someone confirmed some purchases via text. 
This is ridiculous and I want justice! I want my money back!! I was told you folks could help me out, if not I will need to take legal action against Capital One. 

Here are claim numbers and amounts : XXXX, XXXX If you have any questions please contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-31
Company: Experian Information Solutions 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 recently reviewed a copy of my credit report and to my surprise there are several accounts on my credit report that don't belong to me. I have never applied for these accounts, I never used these accounts and, I never received any benefits or goods from these accounts. The accounts listed below are all a result of identity theft. 

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 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 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 XXXX XXXX XXXX XXXX XXXX  : {$2500.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : {$75000.00}, 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 2023-03-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i opened my account with wells fargo initially XX/XX/XXXX XXXX i forgot that i opened it and had lost the account long ago. so recently i tried to opening an account with them. XX/XX/2023 i called them to see if someone could help me open one. they already have me in their system from the account i opened in XXXX but i cant open a new one due cant verify identity despite having one opened 3 years ago as well as having the same exact email address. knowing the address i had on file which was XXXXXXXX XXXX XXXX XXXX ny XXXX the phone number being XXXX and they cant still verify my info from the account but cant open a new one. so i get told to go to a branch even though my zip code is XXXX and they even acknowledged there isnt a branch for 100 miles. i tried getting in contact with the branch located in new york XXXX to try to get help to open it over the phone no one ever even got on the line. i received a secured email message the same thing i asked them if i could use to send in my id and ssn to open the account since i cant get to a branch in person. they too never get back to me. i have tried numerous times to get help opening this account again and getting a debit card sent to me but i guess what they say about wells fargo and them constantly scamming and wronging their customers/ not caring about them at all is entirely true.

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 2023-03-25
Company: ENOVA INTERNATIONAL, INC.
State: MT
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:
XX/XX/XXXX, I had XXXX emails from this company ( NetCredit ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( XXXX through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to Transunion and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to XXXX a date of last activity of XX/XX/XXXX while Transunion shows XX/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 2021-12-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Legal Entity : Citibank , N.A . 
Product : XXXX XXXX XXXX Card Description of Issue : On XX/XX/2021 I instructed Citibank to close my XXXX XXXX XXXX XXXX via phone. I directed all payments to be paid in full ensuring account closure on the date of the phone call. This resulted in a final payout of XXXX on the date of closure ( XX/XX/2021 ). Following account closure, Citibank charged interest to my account of XXXX for the month of XX/XX/2021, then an additional late fee of XXXX on XX/XX/2021. These late fees were paid upon realization of said fees on XX/XX/2021. Citibank staff did not inform me of these interest charges or fees at the time of closure. 
Desired remedy : 1. Citibank , N.A . to return all interest and fees charged following account closure. 
2. Citibank , N.A . to ensure no negative reports occur on my report to the credit rating agencies and confirm when those reports have successfully been expunged.

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 2023-01-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX CREDIT CARD : # XXXX, XXXX XXXX CREDIT CARD : # XXXX, : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Conn's, Inc.
State: SC
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:
Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 


What is your authorization of law for your collection of information? 


What is your authorization of law for you collection of this alleged debt? 


Please send evidence your authorization to do business or operate in the state of Texas Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: UT
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 is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

XXXX is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.

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 2023-10-12
Company: LEXISNEXIS
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief