BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: BARCLAYS BANK DELAWARE
State: NM
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/2021 I revived an email solicitation to apply for the Wyndham Rewards Earner card. The promotion stated that this was their " Best offer yet '' earn XXXX  points after spending {$1000.00} in the first 90 days then XXXX  after spending {$2000.00} in the first six month. I applied for the credit card under this promotion by clicking on the links in the email solicitation I received. 

On XX/XX/2021 I received any email stating " Congratulations! '' " Welcome to you new Wyndham Rewards Earner Card account '' I was approved for the new account. 

On XX/XX/2021 I received an email stating my card was active and ready to use. " Just a note to confirm we've activated your Wyndham Rewards Earner Card on XX/XX/2021 '' I have spent the required amounts to receive the bonus points promised but they were not showing up in my account, I have made over 20 calls to get this resolved no one has been able to get this fixed. At one point they asked me to fax them my documentation showing the promotion I applied for, I did so and still not response.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: MI
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-04-24
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1300.00} and XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/ BALANCE {$680.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been try to use my login credentials to check my pass statements from Sears credit card store with out success, my credit was use on a purchase with out my authorization back on XX/XX/2019, i been dealing with stolen identity since then and proving that purchases where made with out me been present on those transactions, such as BestBuy stores and 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 2023-02-16
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MA
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:
repeated written attempts to validate debt with this company has fallen on deaf ears.thay have failed to email per my instruction validate the debt on XXXX items they have.when they are called they do do not tell who oe=wns the debt investor. validation has expired whatever they have there they can not proceed further with issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ability Recovery Services submitted a false claim to the credit reporting agencies that I owe them {$570.00} and have not paid. They state this originates from XXXX XXXX XXXX. Currently, I am on a payment plan with XXXX XXXX XXXX XXXX XXXX I have never been late and made my most recent payment on XXXX. I called XXXX 's billing department representative, XXXX, at XXXX on XXXX & confirmed that my account was current after receiving a payment demand letter from this debt collector. 

They filed this false report on XXXX. I can provide proof that I have made all payments in full and am on a payment plan. My payment plan concludes in 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is a formal complaint against TransUnion Consumer Solutions located in XXXXXXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2023-12-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
It has been more than a month the wired transfer internationally to the bank and has not released. 

The bank hold the money for more than 6 weeks and requested 4 documents to be signed and notarized.

After 6 weeks bank informed me that the money returned to the sender without providing any reason or form of verification document. 

No the sender has not received the returned wire and Wells Fargo does not provide me any letter or document so i can provide to the sender

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card debt, through Navy Federal credit union. During the year XXXX or XXXX, that debt, roughly XXXX. Was placed into litigation with a 3rd party, XXXX, XXXX, and XXXX. 
Over the span of a few months, nfcu reallocated multiple deposits to XXXX. After that period, and receiving XXXX, estimated. They ceased to seize funds. 
XXXX of XXXX they began to seize funds again. Nfcu told me they are unable to view any details of the remaining balance. I created an online epay account with XXXX. Was then able to verify as of XXXX XX/XX/XXXX. Current balance of total debt, XXXX {$27.00} XX/XX/XXXX, Nfcu transfered XXXX $ to XXXX. 
Exceeding the debt by XXXX $ I called NFCU to address the infraction. I was told that this type of transfer was how collections is done. They take a large sum, deduct their due amount and return the funds. 
I attempted multiple times to speak with a representative of XXXX 's collections department. XXXX. Each time only getting voicemail and getting no responses or calls. 
Then, calling NFCU to ascertain any information about reversing the funds. Was told multiple times they can't do anything. I requested multiple times to dispute the transfer. Stating the 3rd party XXXX exceeded the debt by XXXX $ Though, I wasn't directly told no. NFCU wouldn't acknowledge the request. And would only tell me I needed to speak with XXXX if I had any complaints. 

XXXX debt balance with wwr XXXX $ ( XXXX to prove it ) XXXX XXXX took XXXX $ Nfcu stated XXXX placed a reversal on the funds. XXXX business days. Day XXXX is today XXXX. No funds returned. 
Attempts to fix this have been fruitless through both entities. NFCU and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This is XXXX XXXX a former client of Citizens Bank at : XXXX XXXX XXXX, XXXX, MA XXXX I have received two letters from collection about my balance statement for {$19.00} but I have already requested to close my account and they did it, after that I do not have any way to transfer money from one of my Citizen Bank accounts which has {$44.00} on it to another account or use my balance. 
I moved to California last year and no longer need that bank, all my efforts to make phone calls or communicate with your bank were unsuccessful. 
Please close my banking account and return my balance because this is a kind of harassment and fraud charging. 
I made many phone calls to the customer services and they hung up. 
I made a phone call to this branch and the banker hung up. 
I sent an email to your customer service and no response ( Saved ). 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 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 : It also states a consumer reporting agency can not furnish a 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 2022-04-11
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 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 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
***Please note. This is related to Binance.us, not Binance.com*** On Binance.us, I signed up to sell my XXXX that I have held in my possession since XXXX. I was not sure how to sell it so with the help of a friend, I sent it from my ledger to XXXX. I had XXXX XXXX. I was able to sell it and turn it into US currency. In fact, my current visible balance on Binance.us is over {$20000.00}. 

I quickly passed their " Basic Verification '', and was moved on to " Advanced Verification '', to which I had supplied all documents, and have been in " Pending Verification '' since XX/XX/XXXX. 

Their support area of their website says that if I even TRY to send a ticket, that, not only will it NOT be answered, but it could push my verification back even further. ( This scare tactic for a company who is holding {$20000.00} of my dollars is completely unacceptable. ) Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX in the amount of {$500.00} Filed claim within 1 hour of fraud on XX/XX/2021 Claim XXXX Provided Wells Fargo with all information needed to recover my money from the person who committed the fraud, provided his name, bank account, phone number and email. 
Wells Fargo should have stopped the transaction before the XXXX payment was made.

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 2023-02-16
Company: Mercedes Benz Financial Services
State: TX
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report.

Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 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 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 explanation
Consumer complaint received 2023-10-12
Company: BANKMOBILE TECHNOLOGIES, INC
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i was owed money for 2 months where my account was compromosed and they gave me the credit thios morning then closed my accpoyunt andcanceled card so ii couldnt gert my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2022-12-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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