BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: CA
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:
There was a dispute over two transactions with Wells Fargo on my Business Line of Credit. I was formerly working with what I initially thought was a professional advertising/publishing company, which turned out to be a 'vanity publishing/book fair ' scam. I realized this was the case before the company, XXXX XXXX, was set to provide certain services in the Fall of 2022 -- As soon as I was made aware of their horrible predatory practices ( mostly used upon self-publishing authors of advanced age ) and experienced some of their poor, unprofessional and unethical treatment myself, I submitted my clear cancellation to them in writing about one month before the deadline. 

Wells Fargo kept me waiting for months while they researched the dispute, and my staff put together a thorough letter ( attached below ) clearly laying out documentation and the order in which things happened and submitted it to Wells Fargo dispute team. Weeks after that, I received a dispute decision that they were upholding the fraudulent charges, with no proper explanation or even reference to the documents I had submitted in which XXXX XXXX admits fault in relation to their own 'contract '. I called Wells Fargo following this dispute to let them know I would be contacting the CFPB. 

Thank you for your time and assistance in resolving this matter. I hope my experience can help others avoid this humiliating experience. I encourage other self-publishing authors to consider that a successful and legitimate publishing company will never cold call you at home or solicit you via email ; This is what I have learned through this terrible experience. Literary agents should assist with all publishing, authors need to be wary of all solicitations by phone or email, and deeply research any company that they consider working with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an issues with Experian, XXXX XXXX XXXX  and XXXX. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closedXXXX XXXX is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4.XXXX  XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. Experian, XXXX  & XXXX  are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX  would add remarks and remove remarks and my FICO fell each time, from

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 2022-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed an Identity Theft report with the FTC and the IRS affidavit and provided the documents to the card company detailing the unauthorized transactions and provided the ftc form required to request that negative information not be released or reported to credit agencies. The subscriber has not cooperated with my request and has consistently changed the comments, statuses, or other information to circumvent my request to the point where they are deliberately trying to discredit me. I have requested all the relevant information from the subscriber and what they have reported to credit bureaus but still havent received any information. Im including my documents again as a final request before Im forced to pursue any other legal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : 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 explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
.Identity Theft! I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: KS
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:
Equifax failure to provide original source investigation documentation used to verify account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: TX
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  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint on XX/XX/2023, complaint # : XXXX to Equifax regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

Equifax submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXXXXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to XXXX ( Equifax vendor ), regarding the response Equifax provided. XXXX sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, XXXX did not locate the records listed below in XXXX XXXX file with XXXX. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy XXXX XXXX. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to Equifax. 

I would like for Equifax to answer me who they are verifying this information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had an account with Simple, which was recently closed and merged with XXXX. The merge happened yesterday XXXX Saturday XXXX ) and since then XXXX today is XXXX ), for two days now, I have been locked out of my checking and savings account completely, with no access to my money, and no way to check balance, make or receive payments, etc. I have followed the instructions on the website pertaining to creating a XXXX account online, which resulted in my being locked out of my account. After calling the customer service number, the customer service representative immediately hung up on me. My husband, who shared a joint account with me, called multiple times and was hung up on each time ; several times the customer service representative claimed not to hear him before hanging up. XXXX announced that they were opening customer service lines today ( XXXX ) to account for all of the Simple customers who are not able to access their accounts or get the help they need to do so, but neither I, my husband, or anyone else I know of has been able to get real help. We have no way to access our money, and no means of doing so. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MA
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:
I submitted a letter to the Equifax and XXXX Credit Bureaus last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX  I tried to add {$200.00} to Chime from my XXXX debit card because I couldn't find my wallet and the only card I had with me was chime. It just said an error message when I attempted to add funds. XXXX ( my other bank ) froze my account because of attempting to add funds with chime because they " are problematic ". {$250.00} was taken from my bank account. Then chime froze the account only stating unusual activity. They requested me to verify my identity by sending the front and back of my driver 's license, a utility bill, and an explanation. I sent both sides of my license, the recent bill, and an explanation stating it was me that attempted to load my account with XXXX account so I could use their card. They never responded to my email even though it says 1 to 2 business days. I then called support. They then verified my identity and said I would get a response within 1 to 2 days which was a lie. I called again and they sent an email demanding social security cards, several bank statements, and more. They refuse to return the funds. I don't care if they close the account because I don't want an account that has no problem resolution and was useless in a time when I needed it. I want the {$250.00} they won't return returned to the bank account they took it from. It was more than I authorized to begin with. Nobody that answers phones will give information or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Improper use of credit report, unauthorized inquiries on my credit profile

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 2023-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
citizens bank did not properly close my debit card that was reported lost and stolen. The card ending with XXXX was closed mid XXXX. The merchant from XXXX XXXX and XXXX  should not been able to take funds out of my account with my old debit card. this jeopardize the security of my account and for a quest accounts I pay {$25.00} a month and should have better benefits for an account like that and and the {$30.00} extended overdraft fees are ridiculous. they put the extended overdraft fee before one day before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: Motolease, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account started in XXXX. Account was charged off due to family struggles. In XXXX a credit report was pulled in XXXX showing correct account information ( charged off ). When finalizing an application credit report was pulled again in XX/XX/XXXX. Motolease , LLC had, at that point, reported the account was opened in XX/XX/XXXX and showed it as an active open account. We immediately disputed with all three credit bureaus and contacted Motolease to make sure this never happened again. I spoke with a customer service rep who stated " Our supervisors don't have access to phones, but I need to get you to the resolution department. '' She then transferred me and a man picked up the line and stated " Do you mind if I place you on a brief hold while I look into the account '' ( after again asking for a supervisor ). I was on hold for over XXXX minutes when a different woman picked up. She stated she would try to get a supervisor. I mentioned that I didn't want to be on hold only to be randomly transferred without being told again and she assured me " If it takes longer than a couple of minutes, I will check in with you. '' I was on hold for over XXXX minutes when I was hung up on. I tried to contact back and it said " No one is available to take your call. '' I disconnected and called again and got the same woman who had disconnected the call. She place me on hold again for over XXXX minutes and said the account is open. I told her I have a credit report showing it was charged off from XX/XX/XXXX. She stated that the account was still open and that Motolease has continued to try to contact us in regards to it. When I asked when the last call was she told me XX/XX/XXXX! They haven't contacted us in over 5 years, they charged off the account and because the statute of limitations is running out ( 7 years ) they are trying to reopen the account. I let her know we would be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
I'm filling a claim as a victim of TransUnion. I have been denied housing on multiple occasions due to TransUnion 's negligence. I also know my information has been compromised by TransUnion due to TransUnion 's sharing of ( what they believed to be ) my personal information, which caused much harassment from multiple third party companies, which I still receive, to this day. Also, currently hacked and started hacked this whole time, due to this company 's negligence. I was also homeless for a good part of 18 years. XXXX XXXX as well. This kept me from a lot as I am smart enough to be a XXXX graduate ; also took a vile toll on my health and mental state. I'm the poster child for what these credit companies do to consumers. I'm no longer frightened ; just seeking immediate justice.

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 2022-07-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Last month XX/XX/2022 I was told that my interest only repayment had to be completed in order for me to participate in the program. I was only offered a interest free payment program, which basically means I will be in debt for the rest of my life. When asked was I eligible for another program, I was told I was not. I provided my card information and my monthly payment would be from I believe {$260.00} to {$280.00} with a date of XX/XX/XXXX to began the payments.. I kept receiving calls from all types of numbers throughout the day and half the night and finally answered and it was NAVIENT reps calling from different numbers and area codes. I received over 100 calls within a 2 week span. Apparently I gave them the wrong card information in which they stated that they to go up on my monthly payment from {$280.00} to {$300.00} monthly after providing them with my finances for the month. I was told again that I was not eligible for any other program with NAVIENT. My account number is XXXX. I am currently looking to refinance this student loan because if I am only eligible to partipcaite un the interest only program, I will never pay this student loan down. Also I receive documents stating that I overpaid and never see where the overpayment is going.

Company response to consumer: Closed with explanation