BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: BARCLAYS BANK DELAWARE
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
The problem is with the XXXX XXXX AAdvantage card administered by Barclays. I got a call from the credit card company on XX/XX/XXXX that questioned a charge from XX/XX/XXXX on our account ending in XXXX. We said it was improper charge. As a result they suggested we close that account and were told that we would be issued a new card that we would receive in 7 to 10 days. To date, we have NOT received that card. 

I went into my account online and found that there had been charges to the NEW ACCOUNT that APPARENTLY ending in XXXX. Again, I have not received a new card OR ACTIVATED IT but there were charges anyway. Among the charges was ANOTHER FRAUDULENT CHARGE BUT TO THE NEW CARD ( XXXX ). I HAVEN'T RECEIVED OR ACTIVATED THE XXXX CARD. HOW CAN THEY ACCEPT CHARGES TO THE NEW NUMBER WHEN IT HAS NOT BEEN RECEIVED OR ACTIVATED? The suspect charges had slightly different names but were for the same amount of {$120.00}. Clearly, both were from the same company in CA. 

I called Customer Service to dispute the latest charge of {$120.00}. She closed the XXXX card ending in XXXX that I had not even received let alone activated! However, in discussing the problem with Customer Service, I accidently found out that, upon closing the second card ( XXXX ) ANOTHER CARD WAS TAKEN OUT AND ACTIVATED ending in XXXX!!! WHAT KIND OF SECURITY IS THAT???? When I complained and asked to talk to a supervisor I was cut off. 

I went back into the website and IMMEDIATELY cancelled my account. 
THIS IS GROSS NEGLIGENCE.

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 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XXXX XXXX XXXX XXXX XXXX Wells Fargo was the lender on my home and car ; for which both items were included in my bankruptcy filing. I lost the home but was told that the car would not need to be returned. Approximately three to four months after my bankruptcy was granted s discharge I received a phone call from Wells Fargo that a warrant would be issued for my arrest if I did not return my vehicle to the dealership within one week. I had moved three hours away by that time and they told me to drop the car off a dealership in XXXX and to leave the keys inside with the car locked. I was scared and naive that this was true, so I did what they told me. Many years later I received a letter from Wells Fargo stating that they were not attempting to collect a debt under law and included a check for XXXX dollars ; which I never cashed and still have. I have received a few letters from them since then asking me to please cash the check. I looked up information on my bankruptcy case recently and found that the car that I had returned was not needed to be returned at all. I was scammed and stolen from by Wells Fargo. I have tried to figure out how, and why they were able to get away with breaking the bankruptcy code and get away with it, but it is only because they didnt report it to anyone. I was left without a vehicle and still have not been able to get a car loan.

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 2021-10-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Citi Bank Mastercard. I called the company at the end of XXXX and asked that the credit card account be closed. They confirmed it was closed. When I logged in online, I confirmed that the webpage said " This account is closed. '' XXXX a company put through a charge for merchandise that I had cancelled in XXXX, confirmed with the company it was cancelled at that time, and never received any merchandise. The company apparently was able to put through the charge because Citi allowed it EVEN THOUGH THE CREDIT CARD WAS CLOSED! As a result, I'm getting a bill from Citi, late charges, interest, penalties, etc for something I didn't buy on a card I don't have. Help!

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 2022-04-22
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:
In accordance with the Fair Credit Reporting Act, XXXX  Accounts listed below have violated my rights : Account # XXXX by XXXX  Account # XXXX by GXXXX XXXXccount # XXXX by XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX by XXXX Following is a list of creditors who have obtained my report without my consent : XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

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

I have not given anyone written instructions to place any items on my 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 2022-07-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am contacting concerning a debt that was placed on my credit score, this debt is under {$500.00} and was placed on XXXX and XXXX, XXXX which caused trembling decline in my my scores. Under a new law starting XXXX XXXX XXXX, the consumer credit reporting Bureaus XXXX, XXXX, and XXXX will no longer add medical debt less than {$500.00} to a credit report. They have attached a {$190.00} debt to my accounts, can you help me get this removed from my credit report. XXXX XXXX, Email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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: Information belongs to someone else

Complaint:
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX / XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$0.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO ELIMINATE THAT ACCOUNT ON MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am notifying XXXX XXXX that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.

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 2023-09-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I started my forbearance with Freedom Mortgage in XXXX after completing the program for a year I submitted a new package in the lost mitigation that's where everything goes south I had to constantly resubmit papers time after time.Once freedom Mortgage deemed the loss mitigation packet completed they only offered forbearance again for mortgage reduction trial period. I paid XXXX from XX/XX/2023 thru XX/XX/2023 a employee from freedom told me i would receive new terms by mail via XXXX, XX/XX/2023 I make another payment of XXXX i call freedom mortgage only to informed that the employee gave me incorrect information i had to submit another loss mitigation packet at the same time the filed foreclosure on my home i was served in my driveway and I constantly get harassing phone calls text and letters this has been a nightmare to say the least I'm a XXXX veteran i served this country with honor and dignity is this the thanks it get they tell lies to try to take your home my credit is destroyed by these people they've put in XXXX in debt with them i afford a pool for therapy that i badly need this is crazy they should be held accountable for their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove fraudulant inquiries:
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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I joined BoA in XXXX of 2023. I received one SSXXXXI payment into my account and then switched to XXXX XXXX around XXXX. I kept the account open but made no transactions. I switched my SSXXXXI back to BoA in XXXX. I then waited until my payday of XXXX XXXX to withdraw my {$1000.00} only to be unable to in any manner. After many calls to customer service and going to two branches they tell me my account is on a " credits only '' status and this usually only happens with or concerning fraud on the account ( boa didnt tell me there was any fraud but after researching it myself this has to be the case ). Not once in over 5 attempts did they tell me how to release my account so I can access my funds. Nor did they inform me at all of any of this.information. I researched it all myself. In addition to that, they also lied to me stating, " Once the transaction posts we will close the account and send you a check with the remaining balance ''. Well, they are lying to my face because my check posted on XXXX XXXX and we are on the XXXX and they have made absolutely zero effort to actually help a homeless, XXXX man in XXXX XXXX actually live and get my money flowing.

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 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
It just hit me yesterday, XXXX posted a late payment notice on all credit reporting agencies. Not true. I 've paid them autopay for 32 years. Had a problem with XXXX XXXX, XXXX, XXXX on or about XXXX XXXX, 2015. I paid estimate and then cancelled due to a problem. I never used them to move me from FL to AL. 
The movers finally settled and I have the legal document they signed XXXX/XXXX/15 ; I signed on XXXX/XXXX/15 and sent copies to all executives at XXXX in IL and their Dispute Center and no one every confirmed receipt. About one month later I have a printout that shows XXXX transactions for {$1400.00} and {$540.00} ( XX/XX/XXXX, XX/XX/XXXX ) were REPOSTED again by XXXX -- there are XXXX some kind of ID # XXXX that probably would identify who these people are that REPOSTED the XXXX items, but it 's obvious to me that XXXX XXXX who says he 's in the President 's Office has n't even attempted to look into what I told him when he lied to me that the Alabama Attorney 's General did not give him enough information in their letter. I received a copy of that letter the next day and all the information was in it that I gave them. XXXX XXXX takes information from previous messages back and forth I had with their Dispute and Corporate Inquiry Departments. Desa of XXXX Dispute told me to stop sending messages!!!!!!! 

I have XXXXXXXXXXXX who say they work for the US government on debt collections reviewing my case and am awaiting the results this week. 

When I thought all was okay again, I made some purchases, but when I saw those reposts I panicked but even with the purchases I made they still owe me a refund of approximately {$250.00} plus {$50.00} cash back. I think all the employees at XXXX was passing the buck. There was one gal XXXX who seemed like she wanted to help me -- said she 'd call the next day at XXXX XXXX and never did call!!!!!!!!!! She 's the one that alerted me to the fact the charges were not authorized by me. I call that fraud!!!!! 

I 've been in XXXX treatment in XXXX and XXXX for a year now and have endured the stress and anxiety of wanting to go home to XXXX and I ca n't go to buy a home because XXXX has done this cruel thing to me. 

I 've also been abandoned by my son and I live in a very desolate area on a lake, no neighbors, asked for help from every agency I know and got nothing. 
I will survive being a recent widow on top of everything else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AXOS FINANCIAL, INC.
State: MS
Product: Credit reporting 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:
These are all unauthorized unverified inquiries on my credit report XXXX XXXX, axios bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I would like for these to be removed immediately. Thank you. my phone number is XXXX XXXX XXXX email is XXXX. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 2022-02-09
Company: Genesis FS Card Services, Inc.
State: IL
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:
CB INDIGO ( Bank ) XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from Insigo Mastercard to XXXX. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Freedom mortgage contacted me on the first of XXXX to help me get an forebearance or loss mitigation relief! They said there are grants available but I checked & they said it's closed idk what else to do but I need help & relief! I also have a XXXX case manager so I am emailing them today too to see what kind of help I can get with them too because I need a lot of help!

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 2023-06-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had over draft fee wasnt correct from XXXX to 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 monetary relief
Consumer complaint received 2023-02-28
Company: CCF Intermediate Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an unauthorized credit inquiry on my credit report from Curo XXXX XXXX XX/XX/2023. I have no idea who this company is and what it could be for. It is fraud and I need to have this removed from my credit.

Company response to consumer: Closed with explanation