BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Okay I went into the Wells Fargo branch on XXXX XXXX in XXXX Virginia to withdrawal cash that I had received through the XXXX app so I was going to put the money back in my account to get a cashier 's check and they proceeded to tell me they embarrass me in front of everybody but say that I was being scammed and proceeded and I kept saying I'm not being scammed they proceeded to tell me I was being scammed okay and then they freeze my account put a hard hold on it for I can not access any money or anything and tell me that people have requested a refund because it was an unauthorized use of the XXXX app which I got no documentation or proof of and this has been going on 3 weeks now my account was supposed to close yesterday on the XXXX I have not paid my rent because of this I got an eviction notice because of this and they're telling me they're going to keep it open until XX/XX/XXXX in case there's more people there wasn't but three transactions done Wells Fargo this is the second time I've dealt with these people the first time they did the same thing to me same back thing same issue and I think they are to be held accountable because first of all no proof of anything they can't give me no proof I can't even go in the bank and tried to get in my account no longer allowed to have online access you know my rent was due on the XXXX of this month and today is the XXXX and I got an eviction notice because of this that money belongs to me fair and square and they need to pay me my money let me have my money because all this is false accusations and I want something to be done I'm tired of Wells Fargo treating people like this I'm not the only one that's been done like 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 explanation
Consumer complaint received 2023-06-24
Company: HYUNDAI CAPITAL AMERICA
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:
Hyundai Auto Finance. I contacted them and provided proof regarding issue with my internet service as it timed out at the time I was making a timely payment. I was not aware this happened until the account was 31 days past due which at the time a timely payment was submitted. Although my situation was noted while I called and ensured payment was made to a live agent, it was not corrected. Furthermore to this, I retrieved proof from my cable company XXXX regarding the ongoing numerous outages in the area during the entire month. I submitted proof and the issue was never resolved, hence they continue to report negatively severely impacting my credit. This happened twice once approx XX/XX/XXXX for {$200.00} and approx XX/XX/XXXX for {$200.00}. Hyundai Financial has continued to report 30 days late on the 2 separate occasions noted. As a result of these outages I have implemented measures to ensure this will not happen again. I dont have a problem with my employment as my pay is well above adequate for my cost of living and has consistently been this way for 4 or more years. My account has been current and I pay as agreed. I need my report corrected as reported by the three credit bureaus XXXX, XXXX and XXXX. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, 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 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 2023-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BARCLAYS BANK DELAWARE
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 at XXXXXXXX XXXX per my XXXX XXXX XXXX call log, I called Barclays after receiving a text message about a possible charge for {$1000.00}. During the call, I twice inquired if the charge had been denied and was twice told the charge had been denied. I responded that I was glad because I wanted the charge denied. On XX/XX/XXXX, Barclays paid {$1000.00} to a vendor. I called Barclay 's at least 3 times between XXXX XXXX. Finally, I was told on XX/XX/XXXX, that a supervisor would call me within XXXX hours. No Barclays ' representative called me back between that day and XX/XX/XXXX, when I wrote Barclays about my problem and included a copy of my XXXX XXXX XXXX call log reflecting the XX/XX/XXXX call. Although I have received unsigned form letters from Barclays, I have not received any response written or otherwise acknowledging the XX/XX/2023, phone call.

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 2023-06-25
Company: Genesis FS Card Services, Inc.
State: CA
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 never opened an account! I have no credit cards! It's fraud! Why does it take me forty minutes to report this online! Indigo Mastercard is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: I.C. System, Inc.
State: AR
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 was contact by I.C. System about a debt that they claim I owed them. I ask for debt validation but they instead send me a letter with offensive language. I sent them a Affidavit of Truth stating to them that they had violated laws under 15 USC 1692. The violations committed were 15 USC 1692b ( 5 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), and 15 USC1692g. I have also attach proof of these violations.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I've send letters in with my ID and current bill with address to update Correct current personal information and to take off that identity theft statement that I didn't ask for. I've also sent letters about furnishing items on my credit report without my permission which in the FCRA 15 USC 1681 I have a right to privacy and 15 USC 6802 I have a right to OUT-OUT of my personal information shared to non-Affiliated 3rd party. All I received was debt validation which I didn't even ask for.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
There are multiple accounts on my report I do not recognize

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 2019-10-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I APPLIED FOR A STORE CREDIT CARD WITH XXXX WITH A BALANCE OF {$1800.00} FOR A PROMOTIONAL PERIOD OF 12 MONTHS @ O % INTEREST. UPON LOGGING INTO MY ACCOUNT TODAY ON XX/XX/XXXX MY BALANCE REFLECTED AN INCREASE IN XXXX IN FINANCE CHARGES AND INTEREST FOR A NEW BALANCE OF XXXX. I HAVE MADE MONTHLY PAYMENTS ON THIS ACCOUNT FOR 12 MONTHS NOW OF AT LEAST {$160.00} AND SHOULD HAVE A VERY SMALL IF ANY BALANCE LEFT. WHEN CALLING THE CARD ISSUER TODAY I WAS INFORMED THAT THE NEW BALANCE REFLECTED IS DUE TO FINANCES CHARGES AND INTEREST ACCRUED FROM THE BEGINNING OF THE PLAN START DATE. THIS IS MISLEADING INFORMATION THAT WAS PROVIDED TO ME UPON SIGNING UP FOR THIS OFFER AND HAD I KNOWN THIS PREVIOUSLY I WOULD HAVE MADE SURE THIS HAD A XXXX DOLLAR BALANCE ON XX/XX/XXXX. FURTHER MORE, I HAVE NOTED A ACCOUNT ASSURE CHARGE PLACED ON MY ACCOUNT THAT I HAVE NOT SIGNED UP FOR AND HAVE NO NEED FOR AS I HAVE BEEN GAINFULLY EMPLOYED WITH NO RISK OF UNEMPLOYMENT. I BELIEVE THIS WAS PLACED ON MY ACCOUNT FRAUDULENTLY AND AGAIN SHOULD BE INVESTIGATED FURTHER AS IT HAS PREVIOUSLY BEEN SETTLED IN A FEDERAL LAWSUIT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I applied online for the Citi ThankYou Premier Card and was granted the account with a limit of {$6200.00}. I then received a social security verification from Citi saying my account was not actually approved, and they needed this paperwork back in the mail before approving and opening my account. However, Citi mailed me the card anyway. I called Citi and was confirmed by a representative that my account was not actually approved and there was a hold on my account until I returned this social security verification via mail ( they would not accept via email or fax ). I got frustrated with Citi 's communication and decided I did not want an account with their company. Therefore, I asked the representative what would happen if I did not mail back this form. I was then informed that this was a part of my application and if they did not receive this paperwork back, that my application would be canceled and would not be processed. I was assured that my account would not be opened and that after they do not receive this verification, that they would cancel my application. I received emails from Citi on XX/XX/XXXX and XX/XX/XXXX about online statements and activity on my account. I waited a few weeks to allow them time to realize I would not be sending it out and to cancel my account. I never used or spent this account. I called Citi on XX/XX/XXXX to understand why my account was showing open on my credit report as well as with Citi. I was then informed they still needed this social security verification anyway, and that my account was transferred to fraud department and investigations team. When asked to be transferred to them, they do not have a number. When I informed the rep the information the previous rep gave me about canceling my account, she confirmed that was not correct and to send in the paperwork so they could close my account. I told her I did not want my account closed, because I never opened one to begin with and I needed both Citi and the credit bureaus to show that I never had any account with Citi to begin with. She could not explain to me why I needed to confirm my SSN in order to cancel an application. She informed me that this paper was not part of my application, contrary to what I had been told by a previous rep. I was told that there was a freeze on my account for both me and Citi, and they can not make changes until they receive this paperwork in hard copy. I should not have to mail in a form with my SSN on it in order for Citi to cancel my account and application and remove it from my credit bureaus.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
Im trying to get my first home and noticed unauthorized inquiries. Ive sent letters requesting them to be investigated. 


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 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 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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 hope this letter finds you well. I am writing to bring to your attention a concerning issue that I recently discovered on my credit report. Specifically, a new late open account has appeared on my credit report, which is both inaccurate and unjustified. 

Upon reviewing my most recent credit report from your agency, I observed the inclusion of a late open account that I have no knowledge of and have never authorized. This entry, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history and is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I must emphasize that I have consistently maintained a strong record of financial responsibility, ensuring that all my accounts are paid on time. It is therefore perplexing and concerning to me that a late open account has appeared on my credit report, as this adversely affects my creditworthiness and poses a serious risk to my financial standing. 

In accordance with the FCRA, I am formally disputing the accuracy of this late open account entry on my credit report. I am enclosing relevant documentation that substantiates my claim, including [ list any supporting documents, such as payment records, correspondence with the creditor, etc. ]. These documents clearly demonstrate that I do not have any outstanding or late open accounts with the creditor in question. 

I kindly request that you undertake an immediate investigation into this matter to verify the accuracy of the late open account entry on my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and the necessary corrective actions taken to rectify my credit report within the legally mandated timeframe. 

The inclusion of this inaccurate information on my credit report has the potential to harm my financial well-being and my ability to access credit on fair terms. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure the accuracy of my credit report is promptly restored. 

Failure to address this issue in a timely manner will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please help me remove the following inaccurate items : OAG CHILD SU XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$6800.00}.

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 2023-05-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, experian, XXXX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2018-04-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient never respected our original contract which clearly states in school deferment for as long as in school. They demanded payment while I was still finishing my XXXX degree despite never having a lapse in full or half time enrollment. Further they claimed I used my grace period while I was still in school. This action caused me to have to reduce my school work in order to make the $ 500+ a month they we demanding. They continued to request money despite my disagreement. I have struggled to pay them much due to the set back they caused. They have now put me in default despite that I paid them less then two months ago, and Im pretty sure thats not legal either. I have asked them to stop contacting me and they dont, despite being a NY citizen where the law clearly states that they need to stop for at least two weeks when requested ( they call me every day ). They contact my family and provide them with orivate information to harass me, ( even my stepmothers cell phone which Im not sure how they got sonce my father married her after I got this loan ). I have no money and Im struggling to get by but they clealry dont have any options beyond paying the full amount at this point of {$71000.00} for what was a {$26000.00} loan. How are they allowed to treat people this way? I only got this loan because I was injured, putting my self through college, not even taking out loans, XXXX XXXX XXXX in cold MN 48 hours a week while putting my self through school and finishing my XXXX in 3 years. They were the only ones to lend to me after my injury because I had no credit and my parents didnt come from wealth. Why are they allowed to do this to people? Why arent we just paying for XXXX college anyway. This whole thing is stupid and I doubt anyone will help me. I wanted to apply to schools to get a XXXX because my two XXXX degrees are clearly not enough to find employment, but now my loan is in default so I wont qualify for a Grad Plus to pay for that. Why are things the way they are? Why is Navient allowed to do business?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is a follow-up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested multiple times that you verify the accuracy of the information reported by this furnisher. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief