BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Debit/credit card from Discover XXXX XXXX bank. I dont have an account with Discover. 
When I called Discover bank, they informed me an account had been opened within the past month. A change of address was requested as well. 

They had my DOB, social security number and mothers Madein name. They had processed my change of address. 

The account was closed and flagged as fraud. 

I received letters from XXXX XXXX XXXX XXXX as week as from XXXX XXXX  that attempts were made to open on line accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT AUDIT reported an existing account on my name with the amount of XXXX $ and opened XXXX/XXXXXXXX and the last reported was on XX/XX/2022 with a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XXXX WellsFargo say I owe {$270.00} dollar and that was not 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 monetary relief
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

1.AXXXX XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXXXXXX, ( XXXX ) XXXX 3.XXXX XXXX XXXX, ( XXXX ) XXXX 4.XXXX XXXX XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: SC
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: In progress
Consumer complaint received 2022-05-25
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:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

1.XXXX XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXXXXXX, ( XXXX ) XXXX 3.XXXX XXXXXXXX XXXX, ( XXXX ) XXXX 4.CXXXX XXXX XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( 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 2021-07-07
Company: U.S. BANCORP
State: WI
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: Overcharged for something you did purchase with the card

Complaint:
This has been going on since late XX/XX/2021. In a nutshell, the issue is US Bank is allowing a merchant to charge for twice the amount the merchant told me was going to be. On several occasions, including a recent XX/XX/2021, letter by US Bank, I have complained that some of the people looking at my dispute with US Bank do not understand the issue. 

The issue has always been the merchant charging twice the amount it told me it would charge. I have never said that I am not going to pay what I was quoted, but yet again ( per the XX/XX/2021, letter ) US Bank that it can't assist me because I received the services represented in the transaction. 

THAT IS NOT THE ISSUE. The issue is being charged twice the amount I was quoted. 

[ I have other documents but exceed the XXXX MB limit. ]

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 2023-01-17
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:
This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX unlawfully hired an outside towing company to attempt to repossess the vehicle. On XX/XX/22 This company cause mental anguish and trauma to my Pregnant Girlfriend and XXXX old son. The driver Stated, when asked why he was following her You know why Im following you, your behind on your payments and that he had legal right to follow, because she in someone elses property XXXX XXXX XXXX of the XXXX Police department filed a complaint. Report number XXXX. 

XXXX has no LAWFUL claim to property they are actively trying to STEAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Capital One Walmart XXXX XXXX XXXX XXXX. The account was in good standing the problem began when I lost the card in XX/XX/2022, I called Capital One to request a new card. I was told I would receive it in 5-7 days. After the seven days I never received the card I immediately called the company back and I was told I wouldnt receive the card until I sent proof of my identity at first I didnt mind initially they wanted my drivers license, ssn card, and copy of my bank statement all the things I had to submit to open the account in the beginning. Which was two months prior to this issue. Needless to say they gave me the runaround I was told they would follow up the never did. I went back and forth with them from XXXX till XX/XX/2022 down to the point I was conferenced in with my bank along with Capital One to verify my address. After that I thought it was finally over and they would send the card. They never did they claimed that I didnt send them the proper documents when I did several times. I was so frustrated their customer service was horrible all the hundred plus people I spoke to there, no one properly notated the account. Constantly repeated myself over and over nothing was resolved. Essentially they closed this account my credit score dropped tremendously. They lied to cover themselves I never have dealt with anything like this ever. They said they put a fraud alert in the account because I hadnt had the card long enough and had already lost it and was requesting a new one. They would change what they wanted me to send in as proof of my identity and address they wanted proof of my salary which was ridiculous. The way they carried on someone would have thought this account had a XXXX credit limit. Because the new person that I would speak to wouldnt look at the other pages in the account they would tell me I hadnt sent in the necessary documents. This was so frustrating, I got to a point where I had ask to escalate my issue to the executive offices and by the way the account was in good standing with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to a installment payment process to pay off a {$2200.00} debt the account was opened XX/XX/XXXX. Last payment was XX/XX/XXXX the account was closed XX/XX/XXXX but they reported it as unpaid after I paid all the installments

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 2023-09-02
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't XXXX know that it's already been resolved this is ridiculous - Can you please help me resolve this again. 
prior complaints- XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Rainier Financial Group, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
1st Choice issued a {$750.00} loan on XX/XX/XXXX. The 1st payment was due XX/XX/XXXX which was too soon and I requested numerous times to.have 1st payment due XX/XX/XXXX. I had requested the first payment due on XX/XX/XXXX but they denied the request even though extending was shown as an online option. 

I ran in to a financial hardship where I could not make my 1st payment on XX/XX/XXXX. 

On XX/XX/XXXX, they violated my Financial Privacy by calling my job, my references and my landlord. My job was disappointed by this call. 

I was told verbally prior to the loan disbursemen that my job, references would not be contacted. I was told via email as well. 

1st choice made these calls after the loan was disbursed and after I was told they would not contact them. 

I have complained to 1st choice customer service, collections department, and department manager has been aware. They have done nothing to resolve this violation.

They have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I have attempted to find a reasonable payment solution. 

I appreciate your assistance with this matter and hope you'll provide me justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So, I sent you guys a letter about XXXX weeks ago and still haven't heard anything back. You guys are reporting inaccurate information to my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: T.S. Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
was charged a late fee for payment due on XX/XX/2023 which lands on a Sunday. I promptly paid my balance on XX/XX/2023 on Monday. i reached out by chat to American express and they said they would not reverse the XXXX late fee. but i think its unfair practice to charge late fee on a Sunday. a day that is considered religious for some people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: VYSTAR CREDIT UNION
State: AE
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:
I cancelled an item that was charged on my XXXX Credit card. I cancelled via credit card services/VyStar. The products were never sent or received. After several communications with Cardholder services I went to my local Post Master : XXXX XXXX in XXXX XXXX phone # XXXX and obtained a letter that stated the information that was submitted was not sent to me and they could obtain additional information by contacting the post master. The fraudulent company Aletehadtrading company uses fraudulent XXXX labels and submit them and the cardholder services does not verify or do their job all the while continues to let the consumers pay for fraudulent transactions. I submitted all information to receive my {$54.00} credit but Cardholder services gives an automatic email response of case closed due to missing information/they are receiving a high volume of inquiries although after every phone conversation ( I have documented every communication ) Im advised of they have the information and still working on it- The transaction date was XX/XX/2022 and the card services was immediately contacted to quickly handle this but as of today XXXX XXXX my account has not been credited.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification on my credit report stating I owed this collection company called Wakefield and Associates money. They have never spoken to me or mailed me anything and they put this on my credit report without talking to me. I don't recognize them and don't even know what they are trying to claim I owe them. I don't even have a way to contact them because they have never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
XXXX XXXX XXXX XXXX {$2200.00} - - -No Data Dispute Account Information Address XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX  Date Updated XX/XX/XXXX High Balance {$2200.00} Original Creditor XXXX XXXX XXXX  Past XXXX {$2200.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

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