BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i checked My WellsFargo account before it was time to pay my 1st of the month bills ( rent/car note/school/utilities ) and noticed a significant amount of money have been missing. I dont usually check my bank account as Im familiar with what comes in and what goes out! This particular evening i checked To prepare myself for the coming month. I noticed several transactions from XXXX Sports book that I did not authorize. 
XXXX XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} These are the dates and amounts of the transactions i did Not approve of! Ive disputed and claimed fraud with Wells Fargo, Ive asked to have mangers/supervisor to give me a call and nothing have progressed! I called The bank today and was told my claim have been denied and closed! Never received notification of any sort! I can not accept this! Now another weekend, no funds no calls, nothing! I am Absolutely disgusted with this bank! 
I am now 2 weeks behind on my bills, i am A XXXX XXXX XXXX XXXX. Ive been a customer with wellsfargo since XXXX. I am Disappointed, disheartened, frustrated!!! This is very inconvenient!!!! I removed my money for my savings account and plan to close my accounts! Please assist with this issue! 
Thank you

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 2017-03-01
Company: Coastal Credit, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My bank account was levied for an amount of money that I do not believe I owe, and I can not obtain a copy of the lawsuit or any proof as to why my account was levied.

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 2017-03-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax reinserted a previously deleted item and refuses to remove it but sends a response that this has been verified. 
Attached are my credit reports that prove this information was found to be incorrect and removed from my credit report. 
I spoke to XXXX at Equifax XXXX reference number XXXX who also confirmed that the bankruptcy was removed off my record and reinstated WITHOUT proper notification on XXXX/XXXX/XXXX. 
Attached is credit file from XXXX/XXXX/XXXX Confirmation # XXXX that lists the Bankruptcy Filed XXXX XXXX, Also attached is credit file XXXX/XXXX/XXXX confirmation # XXXX with the Bankruptcy REMOVED, credit file XXXX/XXXX/XXXX confirmation # XXXX has the account reinserted to my credit record. 
This is against the law and needs to be removed from my credit report immediately. If this is not removed off my credit report by XXXX/XXXX/XXXX I will be filing small claims action against Equifax. 
DO NOT RESPOND THAT YOU HAVE VERIFIED THIS ACCOUNT, THIS IS NOT THE ISSUE. THE ISSUE IS YOU BROKE THE LAW BY REINSERTING THIS ITEM TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT 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 explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
TRANSACTION INFORMATION : Merchant Name : XXXX XXXX Location/Country : Online Booking Ref : XXXX Partner name : XXXX - XXXX ( XXXX ) Transaction Currency : USD Transaction Amount : XXXX Form of Payment : XXXX Credit Card Last 4 Digits : XXXX BILLING INFORMATION : Customer Name : XXXX XXXX XXXX XXXX : XXXX RENTAL DETAILS : Customer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Drop off Location : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I was charged {$890.00} for a rental that I did not authorize nor did I receive or use. I attempted to dispute the charge with the merchant who was unresponsive and unwilling to assist. I then disputed with my credit card company ( Capital One ) but the dispute was unresolved and Capital One stated that the merchant is claiming that I was a no-show. I did not authorize the charge on my card nor did I receive a rental car or use this service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
a Collection agency by the name of XXXX XXXX XXXX turn a bill in to my credit report when i called them they said i did not have a bill with them under my name or birthday. I filled a complaint with Equifax and they sent me a letter stating they had talked with company and bill was mine. i called XXXX back gave them account # they said again bill was not mine Account # at XXXX is XXXX. XXXX phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
After I filed a complaint against them on this website, they put on my credit report that the account is now closed, which in turn lowered my credit score by XXXX points. They did not really close my account. I have made a payment to them after this account was supposedly closed and they said nothing about it. Also, if you look on the report, they closed it under 'One Main FI ' and reopened it under 'One Main '. It is the same company. They are just doing this as a retaliation for me filing a complaint with this bureau in regards to their harassing me. My current case number for the harassment is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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 NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XX/XX/2023 XXXX AU XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 SENSIBLE AUTO LENDING LL XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, 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 2020-07-29
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened a new checking account with Suntrust for the specific purpose of transferring funds from XXXX, the selling app, where I sell face masks that I sew myself. Since the pandemic I have donated over XXXX masks to Nurses and first responders, I sell masks to cover my expenses. 

On XX/XX/XXXX my first deposit was made, and between XXXX XXXX deposits were made into the suntrust account. 1 deposit of {$50.00} was from my checking account with another bank, which I used to open the account. The other 13 deposits were from XXXX. When my funds cleared from a sale on the app, I immediately transferred the funds. 

In total, I have {$500.00} in the Suntrust checking account. 

For 10 days I was unable to access the account online, it prompted me to reset my password multiple times. On XX/XX/XXXX I received a welcome letter from Suntrust with checks for my account. I have not received any other communication from Suntrust. 

On XX/XX/XXXX I called Suntrust for help with accessing my online account. They told me my account was being closed for suspected fraud due to an investigation and report from another past banking institution that I used years prior. They told me my funds were being held for a minimum of 30 days. 

I told them this was unacceptable. I am very upset. I need this money to recover my expenses from sewing face masks and pay my daycare provider on Monday for the upcoming month. They allowed me to open an account and had no communication in the 9 days my account was open regarding this issue or investigation. All I have done is deposit money from the Selling app from the sale of face masks. 

After escalating to a supervisor he gave me an address in TN where I could mail a complaint. They were no help. 

My issue is that they could have easily seen an issue in my past banking history ( 2+ years prior ) when approving me for an account. There is no money owed to any banking institution. Instead, they allowed me to open an account and make $ XXXX deposits in a 9 day period with no communication on a potential issue. I had to seek them out to get an answer on how to access my funds and am now am being told I have to wait at least 30 days to access my funds. 

I havent done anything wrong and will be unable to pay my daycare provider on Monday which means I will have no care for my child and will be unable to go to work. 

I want my money ASAP as I am being punished by a bank for their own oversight. 

See attachments for screen shots of my XXXX sellers account and the direct deposits sent to Suntrust from this account. Please remove my seller account photos from the report that you publish.

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 2019-08-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I was making a flight reservation on the United Airlines website. I noticed an ad at the top of the page that told me that the price of the ticket could be {$250.00} less ( and it showed the ticket price minus the {$250.00} statement credit with the now lower price ) if I applied for the United Explorer Plus Card. So I clicked on the ad, filled out the application, got approved almost immediately, spoke with the credit card approval representative who promised that I would see the {$250.00}. off on my first statement provided I had purchased my ticket. I purchased my ticket completing my flight reservation on United immediately. When my statement arrived, i didn't see the {$250.00} statement credit and called them immediately. I was then told that I had not applied for the right offer. Since that time, I have been on the United Airlines Forum online side where I have read that many others have also been denied the offer, today I called Chase ( the Credit card company for United ) and tried to once again appeal to them, but they refused to help me. Further, I went on a credit card review site and found yet other complaints about this same offer from a few people. It seems that Chase has a habit of changing offers mid stream and not honoring what people sign up for. 
Further, I have spoken to United Airlines customer credit several times. They tell me that they have no  control over what the credit card company does and that they can't help me. Although I have spoken with United reps on their official XXXX page who have told me that if the offer for the {$250.00}. is still live, they should honor it. I have the link for the offer which was still live on XX/XX/2019 when I screen shot it and I have the conversation from XXXX United Airlines with their statement that Chase should honor offers to customers made to United Airlines Explorer customers. I would like to be able to upload these docs or send them to you. I am disgusted as I had total faith in Chase and United to stand by their word and it is obvious that they have hurt a lot of people who will not be recommending them. 
Further, the offer was not available to current card holders, which I was NOT. I have another travel card that I can use, I opened the United Chase Card that night just before completing my first purchase, just for that purpose and to start using the new card exclusively. So, I was perfectly entitled to the statement credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: PA
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:
It is my greatest pleasure to have this opportunity to write to you this email. 
First of all, this incident did occur backed in XXXX, while I was on a transit to XXXX, XXXX XXXX. I made a transit through XXXX, when I arrived in XXXX and ready to continue through to XXXX to XXXX my final destination, the XXXX immigration officer at the post, insisted that I needed a transit visa to pass through XXXX. 

In fact, he made me missed my flight. I was stranded at the airport ; the following day, travel to XXXX to apply for transit visa, which don't require, but I did go to XXXX to apply for the visa at the British consulate to enable me to continue my travel. 

Furthermore, when I came back from XXXX, back to US after two weeks of my visitation there in XXXX, I started working and was fired by my Company that I was working with before travelling. Since then, no company hired me ; even if the company did hire me, I would be fired when they received my background result. Because none of the employers informed me the result of the background, this continued until XXXX when one company told why they were not able to give the job or hired me for the project. 

On the Other hand, they assisted me to filed a dispute ; by sending me a dispute form to fill a dispute form on that mistakenly report showing as a criminal code in my recorded report. 

I had indeed suffered, mentally, physically, emotionally, and economically as a result of this wrongly listed of record mistakenly in their XXXX XXXX databased. 

I have supporting document to share to upload for your review and consideration. for all most two decades, my entire life had been a strongly as result of negative record. 

My credit score had been damaged as a result of this episode, I couldn't get hired to earn an income that would enable me to pay my student load, even quite recently, when I apply SBA LOAN, I has been rejected as a result of my default student loan which wasn't a fault of my owned. 

I am appeal to you, to review case and assist me clear my name and my reputation. This had indeed destroyed my entire life. It had denied me of many opportunities despite, my achievement and had work. 

I will look forward to hearing from you soon Thank you Yours faithfully 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 2022-04-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1996 Last 4 of SSN : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines

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 2023-02-22
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB I am writing to file a complaint against ALDOUS AND ASSOCIATES for their actions in attempting to collect a debt that I believe I do not owe. The debt collection agency has been contacting me repeatedly about a debt they claim I owe, but they have not provided any proof of the debt or of any contract or agreement that I supposedly entered into.

According to Title 15 of the United States Code, Section 1692g, debt collectors are required to provide consumers with certain information, including the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. Despite my repeated requests for this information, the debt collection agency has not provided me with any proof of the debt or of any contract or agreement that I supposedly entered into. 

I believe that the debt collection agency 's actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which is designed to protect consumers from abusive and unfair debt collection practices. Specifically, the debt collection agency has engaged in harassing and misleading tactics in their attempts to collect a debt that they have not provided any proof of. 

I am requesting that you investigate this matter and take appropriate action against the debt collection agency AS REQUIRED. I would also like the debt collection agency to cease all collection activity because they cant provide proof of the debt and of any contract or agreement that I supposedly entered into. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation