BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
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: Was not notified of investigation status or results

Complaint:
Hi Experian, I sent XXXX  XXXX XXXX XXXX Account number # XXXX a letter ( SEE ATTACHED ) on XX/XX/2021 ( SEE ATTACHED PROOF ) and was received by them on XX/XX/2021 ( SEE ATTACHED PROOF ) seeking for them to provide me with proof that the repossession of the subject vehicle was legal in accordance with the following XXXX XXXX XXXX XXXX. Well I never got a response back within 30 days as required by law. I also looked at my credit reports and noticed they didn't mark in the comments " Currently Being Disputed By Consumer '' within 30 days. I even gave them three days to change the comments. If you look at the " attached screenshot '' of my Experian report from XX/XX/2021, the comments shows " Account previously in dispute now resolved reported by subscriber ''. And if you look at the comments from todays Experian report XX/XX/2021 it still shows comments as " Account previously in dispute now resolved reported by subscriber ''. By law they are suppose to send me requested information within 30 days and also update the comment section. As you can also see their last status update was back in XXXX. I have already made a complaint regarding this with CFPB ( SEE ATTACHED ). I love working with you and insuring that I have accuracies on my Experian Credit 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 2023-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The late payments on my credit report show as of XX/XX/2020 and XX/XX/ 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and Caliber loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XXXX XXXX of XXXX, funds were withdrawn from my account at an atm. The bank did not notify me of these transactions that were taken from atms that has fees associated with them. On XX/XX/XXXX when an auto draft was scheduled to come out of my account for a bill, it declined due to insufficient funds. I logged into my app to see I only had about {$53.00} in my account. I immediately reached out to Bluebird by American Express to report the charges and cancel my card. I filed a dispute with bluebird which they said the investigation would take about 45 days. Less than 45 days I was sent an email that my dispute was denied and that if I wanted to request documentation of their findings I can submit a request in writing. I sent a request in writing along with a tracking number ( XXXX through XXXX ) to ensure they received it. When I called they said they never got the request but I have the tracking that shows it was delivered on XXXX XXXX XXXX. I keep filing trying to appeal their decision and request the documentation but to this day I have not got any proof. The withdrawals were not mine. I still have the card on my person and the locations were not where I am from. I have also filed police reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Genesis FS Card Services, Inc.
State: NY
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:
FEB DESTINY is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2023 somehow I was approved for PayPal credit account for XXXX  XXXX credit limit. While trying to figure out how to work and use the account I noticed PayPal had fraudulently had suspicious activity charged in the amount of over {$700.00} but wouldnt explain that. And I havent used PayPal in many years probably more than XXXX. As I continued to set up this account I could never access and use any of the credit limit. After verifying bank account debit cards my license ID EMAIL i attempted to pay for my services it stopped me and wanted to verify my phone number to make sure it was actually me. However it wouldnt allow me to go past that saying the number wasnt supported. I spent over XXXX hours making phone calls the customer service reps were rude. Hanging up on me kept sending me to dead end automated calls. They made me verify info about XXXX times it was a complete joke to the company. Made me listen to XXXX  options and I only speak XXXX. Once they had all verifiable information I could no longer do anything with the account. I cant even remove my bank information they are COMPLETELY FRAUDULENT.

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 2022-11-19
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Clearly citi card us refusing to review the provided evidence. I have communicated the same information multi times and send the required pdf docs. 

Citi XXXX XXXX XXXX XXXX XXXX - online i disbuted a charge XX/XX/XXXX - called and talked to citi XX/XX/XXXX - sent request info to citi and XXXX confirmation email XX/XX/XXXX - citi deny dispute because I did not send in the info. 
XX/XX/XXXX - re-opene disbute and resent the required info XX/XX/XXXX - citi emails me asking for the same information

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 2023-10-27
Company: I.C. System, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unknown collections on credit report from an agency called IC System. I have one thats been open since XXXX XXXX asking for {$450.00} and another from the same company open since XXXX XXXX asking for {$100.00}. I have disputed these collections and the dispute was remarked 4 months ago stating Account information disputed by consumer, meet FCRA requirements. These collections are still on my credit report stating that Im required to pay them. I have no knowledge of these collections or what theyre for. Im not satisfied with the results of my dispute and would like further assistance with getting these unknown collections off my credit 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a Wells Fargo account in 2011 that was closed due to fees being owed but they were paid several times in hopes to just get the account back to good again.

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 2022-03-08
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: LoanCare, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan Care reported 30day in XX/XX/2023 we are currently in XX/XX/2023. Loan care received payment on XX/XX/2023 which is within 30days. Theyre reporting inaccurate data that has caused an hardship on my financial status and employment. Ive called several customer representatives was told I would receive a call back from a manager that day and its been over two weeks no call, and no notification from from LoanCare. This mortgage company is practicing unethical behavior, causing injury to the consumer.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-24
Company: DISCOVER BANK
State: MD
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 this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: ClearOne Advantage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/19 I applied for a Debt Relief Product from XXXX  XXXX XXXX XXXX. the Account Executive # 1 ( Name XXXX XXXX ) after explaining how i had been overwhelmed with credit card and personal debt after falling behind with some bills during the XXXX  XXXX  XXXX, i tried to negotiate with these companies until got my finances but i received little to no help from them, so i been looking for financial that might help get back on track XXXX told me that the credit card companies really nerve work with the consumer 's in the way that their company would I was informed that i would be clear of Debt in four years and i would be saving a great deal of money if i allowed this company to deal with my creditors and debt after running my credit check, he came-up with a solution that allegedly suppose to get my out of debts and lower my high interest credit cards and loans, I decided that the information that he gave me sounded good and that i can finally resolve my debt, what he didn't tell me that he was giving my information to a second and third company # 2 Clear One Advantage LLC this company has document with my signature that i dint authorize # 3 XXXX XXXX XXXX XXXX ( Saving processing company this company takes the Money from my Bank Account they also have my signature ( electronically signed and initials ) on documents that i'm not aware of what they mean along with unknown fees this company is listed at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OK XXXX ( Clear One is located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX/ and XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX Ca XXXX. I was never informed that my information would be given to other companies, when i found out later that evening i tried several times to contact Mr XXXX neg reponse My name is begin use without my permission, information that i didn't agree to or didn't know about has my signature and initials al unauthorized with this unknown company they are taking advantage of the consumer and this is a lot of fraud going on i called and sent an e-mail today to cancel this product I'm with in my three days as of XX/XX/19 but Mr XXXX never told me about this in read over the contract that evening and found out all the inconsistency in the application processing someone need to stop this fraud with this type of company as a consumer who is already in distress with bills this is not fair to let these company take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
further support requested by last Capital One letter for # XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There are different accounts different numbers on my statements and something doesn't add up in any of these statements you look at these statements and tell me if anything adds up right because I didn't see any of this money but my social security XXXX. OK look at my account number I gave you and look on my bank statements and tell me if you see something wrong at each statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have checking, savings, and credit card accounts with Wells Fargo and have been a customer for 15 years. This month my wife made an error when paying our credit card bill from our checking account by putting an extra zero in the bill pay. Thus, instead of transferring {$1400.00}, it transferred {$14000.00} from our checking to our credit card. We didn't catch the error until the bill pay posted on XX/XX/2023. I contacted Wells Fargo immediately to attempt to rectify the error. I was told that the bill pay had to post first, then the unused balance would be returned to our checking account within 5 business days. After a week the funds had still not been returned to our checking account so I called customer service again on XX/XX/2023. I was told that because the transfer was large ( although at the time large was not defined for me ) it would take 30 days for this to be cleared. That is unacceptable. I was sent up a level at customer service and I requested that the bill pay transaction be reversed in its entirety. I was told that this would occur within 48 hours. 48 hours later the funds had not yet been returned to our checking account. I called again and was transferred up two levels in customer service. This person informed me that for transactions over {$2000.00} it would take 30 days, that there was nothing that could be done to hasten the review and transaction and that Wells Fargo would do nothing to make me whole in the short term. I'm sure all of this is in the fine print of our credit card agreement. Because all of this is internal in Wells Fargo Bank, they have the ability to correct the error overnight if they would choose to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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