BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As stated in previous complaint I called in to XXXX to see if the report was answered from wells Fargo the agent stated they responded so the agent agency XXXX can't find my response to wells Fargo bank. As previously I have stated wells Fargo bank has not provided the accurate 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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-02-24
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
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 reviewed my credit report yesterday and noted accounts on there that I do not recognize. These are accounts I did not open, and accounts I have never used.

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 2023-01-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was promised XXXX XXXX  for opening an Amex Business checking account. 

1. Funding $ XXXX. 
2. Completing 10 transactions. 

I completed all of the above but did not receive the bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, 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 tried repeatedly to have the XXXX account removed from my Equifax report due to the numerous inaccuracies I have seen across all bureaus with this one account, but the company ignores my request and only updates the information. After they " update '' information, it is still inaccurate. I have asked for the account to be DELETED and I am adamant about this. I am being hindered from being able to progress to the next level in life because of this acct and the inaccurate information that comes back when a creditor runs my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for, and received, a XXXXXXXX XXXX XXXX card from Barclays in XX/XX/2022. The terms of the card agreement indicated that I would receive XXXX bonus points after charging the specified amount to my card. The Barclays Visa website indicated, correctly, that I had earned the XXXX bonus points as of XX/XX/2022. The website indicated, on XX/XX/2022, that XXXX points were transferred to my XXXX XXXX XXXX XXXX XXXX XXXX  account. The extra XXXX points were earned on purchases that I had made ( in addition to the bonus points ). 
None of the points, however, were ever transferred. I contacted XXXX XXXX a number of time about this, and they repeatedly confirmed that they had never received a transfer of points from Barclays Visa. 
I have contacted Barclays about this several times, as well. Their records confirm that I am entitled to the XXXX points. They have repeatedly told me that they would correct the problem, and transfer the points to my XXXX XXXX  account ; but they have not yet done so. In the most recent calls : they told me on XX/XX/XXXX that the problem would be corrected in 7 to 10 business days ; on XX/XX/XXXX they told me the points would be transferred in a month ; today, on XX/XX/XXXX, they told me the points would be transferred in 72 hours. 
Please have Barclays Visa transfer the XXXX points to my XXXX XXXX account. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX please update all payment, all payment was made on time 2. Mistaken Identity XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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 has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: Bread Financial Holdings, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Comenity Bank/ Wayfair account. 
I want you to know that I understand my financial obligations, and if it werent for the wrong address that you had on file for which I called 6 months ago to have it change I would not have missed the payment ], My debit card was stolen so I got a new one and didnt remember to call the bank since I didnt receive any letter to my new address for the late payment. Since I found out that I am being late from the XXXX XXXX I called the bank right away and made the complete payment of XXXX  . So I dont have any remaining balance. I have an excellent payment record and have never missed any payments., Ive a spotless record of on-time payments. 

Im planning to apply for a auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: U.S. BANCORP
State: MN
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 unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, US BANK, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 2022-01-17
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
I have attached and FDCPA letter, there are clear violations and this account needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian not updating scores and i paid to see all 3 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 explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: MS
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The following letter sent to Capital One describes the fraud : XXXX XXXX : XXXX dated XX/XX/2023 This is in reference to the above mentioned claim files for my stolen credit card and used by someone else for more than {$10000.00}. 
I have received your letter for denying my claim for these transaction stating not enough evidence to support. Please undewrstand if someone loses credit card, what proof is he supposed to give you to prove that it was used by someone else? Also i would like to put forward the following for your reference to prove that it was not used by me. 
XXXX. In the history my credit crd for last more than 5 years, m my card is only used at not more than XXXX locastions on weekly basis. So your system should have detected unusual acivity right at the first instance when it was swiped at XXXX shop in different location. 
XXXX. It is business card, so any activity other than businesses should have prompted by your system anmd styopped the transaction, but it did not happened. Also it was never used at the night time in my purchase history. 
XXXX. I have attached my XX/XX/XXXX Timeline to prove my activities on XX/XX/XXXX all day for your reference. 
XXXX. Also filed a report with XXXX XXXX police department case XXXX on XXXX XXXX, 2023 to prove my innocense. 
XXXX. I will request you to escalate the case with npolice department as they can check the camera at places where the card was used. XXXX XXXX, XXXX XXXX XXXX all have camera 's to prove my innocense and find out the person who has done this fraud. 
Your response has made a big question mark on my safety of using your card for future puirchases. If I lose it again and someone swipes it for {$50000.00} than will I be responsible for those fruad?? 
I will request you to review the case again and credit my account for those charges. Thank you XXXX XXXX ( Phone XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!

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 2024-01-03
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I recently reviewed my escrow analysis for this year and I found 2 payments one made XX/XX/2023 for hazard insurance and XX/XX/2034 additional hazard but the name was XXXX XXXX  for the amount {$4000.00}. I reached out to freedom mortgage insurance and I stated I dont acknowledge this payment nor approve it. Since my home is a single family property. I asked for Breakdowns of what this has covered and time frame since this is a large amount of money. The gentleman declined to send me any documentation. He stated this how they coded the property as a condo but we its not! 

Also the gentleman reached out to homesite for past policy information and which he found was this policy was paid late by freedom mortgage and the insurance company had canceled the insurance policy. ( On their recorded line I must say ) Which I had no acknowledgment or this would have not been taken so long resolve. Until recently as XXXX I received a letter stating we did not have proper insurance coverage for the property and needed to update the policy. Which I did so and is current.

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