BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: Credit Karma, LLC
State: AZ
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 is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX  XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
Can you update my address and name 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 2023-05-01
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BARCLAYS BANK DELAWARE
State: IN
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:
Received an unsolicted Master Card from Barclay bank. After two dropped calls following a lengthy hold, I then held for over two hours with no one ever answering. No one responds.

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 2022-10-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022, 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 2023-06-22
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-08-12
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
When applying for the loan, on XX/XX/2023, I was told the funds would be deposited into my bank account on the following business day. I asked it that would be XX/XX/2023 and I was told yes, the funds would be in my bank account by the end of the day on Friday, XX/XX/2023. 

On Friday, XX/XX/2023, at XXXX, I called Lendumo and the automated recording said that the funds had already been deposited to my bank account. I checked my account and the funds were not there. I then spoke with a live representative and was told the funds would be deposited by Monday, XX/XX/2023. I told them thats not what I was told when I submitted my request for the loan and I would like to cancel my loan because waiting until XX/XX/2023 would not help me. They told me I have to wait until the money is deposited into my account before I can cancel the loan. I told them I would report them to the CFPB. 

They say that they record all calls, for quality assurance, so they can share the recorded conversations with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay my credit cards off really fast - if I make a charge with one, I'll pay it off within a day or two to avoid interest. Recently, I logged into my new-ish wells fargo credit card account and received the message below : " Error : You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. '' This I believe is a duplicitous way to get credit card customers to open a checking account with wells fargo. It should be illegal for companies to limit the number of payments you can make on an account from an outside checking account. As long as the bill is paid, why would they care which account it's coming from? This is horrible and another example of wells fargo being rotten to customers.

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX at XXXX eastern time, I was contacted from the Wells Fargo customer service number ( the same number on the back of the card ) s Upon answering the phone, a banker name XXXX answered and told me that my account was being flagged for fraudulent activity at a XXXX XXXX through XXXX XXXX. He was very professional and organized with his scheme. He instructed me to move my money out of my checking and savings account to XXXX XXXX and then move it to the new debit card number that you provided for me and told me by new debit card would be mailed in XXXX business days. This banker had my last four of my social and my home address. Had access to my Wells Fargo account. 

I filed a police report in XXXX XXXX XXXX. They were aware of the fraud/scam surrounding Wells Fargo XXXX I also filed a complaint with XXXX. 

Wells Fargo has denied the money being returned to my account. They told me there is nothing that I can do. The amount of money that was moved was {$2500.00}.

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 2023-05-07
Company: CITIBANK, N.A.
State: IL
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:
XX/XX/2022 purchased 3 items from XXXX online charged in 2 increments. 
{$1100.00} and {$4800.00} XXXX XXXX returned all 3 items and received credits for only 2 items. 
{$1100.00} and {$3700.00} {$1100.00} still owed. 
I could not get my money back from XXXX so I opened a dispute with my Citibank CC. XXXX said they would not fight the Chargeback. XXXX sent me screenshot of the chargeback saying it was lost. I expected to see a permanent credit on my account, instead I received a dispute resolution letter stating that Citibank lost the dispute because they couldnt get a payment from XXXX! I was charged {$1100.00} for something I returned!

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 monetary relief
Consumer complaint received 2023-04-17
Company: Payfare International Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been attempting to receive my XXXX card since XX/XX/XXXX. I have called the XXXX  ( Payfare ) Customer Service and received the runaround for two months being told to just keep waiting for the card. At the beginning of XXXX I was advised that a card was sent to me in XXXX even though I did not authorize an account until XX/XX/XXXX. I looked back at statements and yes they opened an unauthorized account that never had funds deposited in XXXX. Today I called and was told by first representative to wait longer for my card and they had no way to track. They then transferred me to another call center where I was told I never ordered a card and it would take 2-3 weeks to receive a card. I am going on a trip XX/XX/XXXX and need the card to pay for hotels and rental cars, two weeks would be fine, three would not. I asked for a supervisor and was told no. The representative placed me on hold came back and said no supervisor available and they were done with the call and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did originally give my approval to open this account. 
The amount of the services was over the amount of credit extended to me. My floors had to be measured for installation of flooring before any amount could be finalized. I was not aware of the actually total until the measurement were taken and submitted to XXXX XXXX the next day. I received an email the next day about the measurement and was ask to come in the store to proceed with setting up what I wanted to be installed. I went to XXXX XXXX, in XXXX, TX on Saturday approx XXXX and was told they had already shipped materials to my home without my knowledge or authorization and they called the credit card company to ask for a credit line increase without my knowledge or authorization. Asking for a credit line increase damaged my credit. The employee ( XXXX ) just starred at me and and said he was wrong ; the other ( 2 ) employees never said a word. This employee was trying to railroad me into $ XXXX dollars for 1 room and 14 stairs and a stair land of laminate wood. I call the credit card company Synchony and an employee and a supervisor could not help me with their policy to request and increase ; but for me to talked with them I had to give my name, ss #, address, phone number. I would think the XXXX XXXX employee had to do the same. XXXX at the XXXXXXXX XXXX XXXXXXXX office said this is not their policy ( to request an increase without the customer 's knowledge or authorization ) and they would talk to the manager. However this does not help my credit that has been negatively impacted. Synchrony does show that a credit line increase was requested. Can you help? or give me some direction? 
ps : approved credit applications should be lock away once approved. This will assist with keeping predator employees from harming customers.

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 2023-03-16
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}

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 non-monetary relief
Consumer complaint received 2021-09-08
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: Was not notified of investigation status or results

Complaint:
I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. XXXX has not updated my credit report in three months. XXXX is in voliation of FTC laws governing my credit file. XXXX has not provided documention for any of my recent disputes.

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 2023-05-01
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I been trying to pay additional principal payment to mr cooper. 
The payments kept getting reverse so i chat with mr. cooper agent. 
The agent told me i need to call bank and see if there is any issue. 
I called my bank. The bank agent told me there is no issue. so I called mr copper. basically telling me to try again call got dropped so i try again to chat with differenct agent. same thing happened telling me to try again. 
I tried many times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A promotional offer was offered for {$400.00} bonus if a direct deposit of {$1000.00} or more is made to this account after a certain period from when it was opened. It was based on this offer that I opened the account and setup a direct deposit payment with my employer to this account. The first direct deposit payment of {$1000.00} was made on XX/XX/2023, followed by another direct deposit payment of another {$1000.00} on XX/XX/2023. Both Payments shows the sender as my employer and it was from direct deposit for salaries and bonuses. A third direct deposit of {$1000.00} was also made on XX/XX/2023 ( see attached documents ). However, Truist Bank has refused to honor their promotional offer agreement and have not deposited the {$400.00} bonus. This is unfair and a wrong practice, they should honor the agreement because I met the condition. Direct deposit is direct deposit, they are trying to make it seem that it is not, and when I reached out to them, I was told they will revie it and get back to me, but that was over 3 weeks ago. It is obvious this may be a dubious bank trying to lure people to open account with them with a fake promotional offer they are not capable of keeping to their part of the agreement. I am filing this complaint to report them for their discrepancy, and to demand they fulfill their part of the promotional offer.

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 2021-06-22
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PR
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-06-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX-XXXX  XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
This is the third time when I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : 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 XXXXXX/XX/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