BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
State: NJ
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:
On XXXX I missed a phone call supposedly from Wells Fargo a voicemail was left claiming that they was a suspicious activity on my account but it was declined and that I should call the bank I did and everything seems to be fine, the next day I receive an email starting that my account was overdrawn by over {$1700.00}, I call Wells Fargo bank and was told it was a purchase from a hospital in XXXX and that they had to wait until the amount of {$3700.00} either cleared or declined before they can do anything, they credit my account back for the {$3700.00} but then I received a letter starting that their investigation showed that either I did the purchase or that I give permission and that they will be taking the money back. I called the claim department and was given the run around, one representatives told me that it was out of Wells Fargo hand and that it was visa who made the decision, and that they couldnt find any information on the merchant, I was told that I am responsible for protecting my account and that they can not give me any information on visa. I am a single mom of XXXX children, I work and go to XXXX school full time, I can not afford to lose that much money. This is causing me a lot of emotional distress. I appreciate all the help. 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 monetary relief
Consumer complaint received 2021-01-18
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: Was not notified of investigation status or results

Complaint:
XXXX, Experian, & XXXX  have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed 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 2021-01-06
Company: The B & F Corporation d/b/a OK Loan Service
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/21 XXXX from Ok loans call at XXXX XXXX at my Job when I had to do my own customer to deal with saying that she will garnishment on my check if I don't make a full payment or payment arrangement of {$110.00} every 2 weeks. I explained to XXXX that I can make payment of {$110.00} but not every 2 weeks. So XXXX had said that not going to work. So I also asked how she received my work # when I was at a different office. Plus that loan was charged off 6 years ago and they should have done the garnishment 6 years ago. So I'm asking that loan be disputed or help on arrangements, or close the account since it been 6 yrs. I found out OK Loans is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy. 
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well. 
( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report.

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : DISCOVER CREDIT CARD, ACCOUNT XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: AR
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 requested debt validation XX/XX/22. I received a copy of a bill dated XX/XX/22 which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SUNRISE CREDIT SERVICES, INC
State: FL
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:
Remove all fraudulent accounts 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 2023-04-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase JP Morgan Bank shows me getting overdraft fee revese dispute while my account is still positive fraud investagation dispute. The fee came from an unauthorized hold on my checking and saving account that was removed. I was explicitly told by a Chase representative that I will still be charged an overdraft fee even though the charge was removed from my account Chase is routinely stealing from their customer 's bank accounts via illegal junk fraudulent or unauthorized charge nothing is being done about it. My account was closed without my knowledge with a balance of {$1200.00} fraudlent and unauthorized charges, overdrafted fee and sent to collections and reporting to chex system, which in no way states that customers must pay fees for fraudulent or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: National Credit Adjusters, LLC
State: TX
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 company is reporting a fraudulent debt that is not owed to them. I sent debt validation request to the company to provide a signed contract of the alleged debt they sent me a letter which i will attach with a fake address with my name attached. I goggled the address and it didnt come up as a valid address. I have never lived at this fake address that they provided. I contacted the original creditor XXXX XXXX and they stated they couldnt find any information in the system for this fraudulent account. They are reporting this information as a debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never applied for credit or authorized anyone to use my personal information to obtain credit from XXXXXXXX XXXX XXXX XXXX XXXX I have no knowlege of ever owing this bank any money. I received a letter in the mail stateting that I owe {$530.00}. 
I have been notified through the mail by Midland Credit Management Inc. who is attempting to collect this debt. The original creditor is XXXXXXXX XXXX. Furthermore, I am reporting this debt as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2019-10-15
Company: Westlake Services, LLC
State: WV
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:
Westlake financial has a derogatory account on my credit report for a vehicle in which they never owned or had the title to. The account has kept me from gainful employment and from achieving the credit score I desire. I have called them over a hundred times but to no avail. I recently demanded Mr XXXX respond to me immediately. Of course he has not. So before I file suit I just want your advice and assistance with the matter. This issue has been going on since 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida, XXXX My telephone number is : XXXX My profession is : A XXXX XXXX XXXXXXXX with XXXX XXXX Salary is {$200000.00} per year. 
Kindly update my demographics with the correct information please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This Parent Plus Loan originated with XXXX XXXX in 2007 for $ XXXX. To date, this loan has been transferred to several service providers, that added their fees onto the balance of the loan. These providers were put out of business due to improper practice. I had to get legal assistance on one company who called my HRO Office. When i could not afford the payments any longer, i was forced into forbearance with no explanation of consequences. Companies did not work with me on affordable payments. A $ XXXX loan is now well over $ XXXX. I also applied for PSLF Forgiveness program. Still have not heard from XXXX. I can not reach company on phone for several hours and getting disconnected in between. This has caused undue stress with medical issues. Would appreciate assistance in this issue. Respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX  has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with XXXX XXXX XXXX, they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXX XXXX actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX  violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX  accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-10-17
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently got my debit card stolen at a ATM in which someone did a unauthorized transaction. XXXX XXXX {$180.00} plus {$2.00} ATM {$200.00} plus ATM fee {$62.00} AtM Withdraw plus XXXX fee. I reported my card stolen and filed a dispute. I filed dispute I did not let her the same day I thought it was pretty fast no way they could investigate it that fast. So I filed an appeal and a couple days after that I got denied so I asked for an explanation for both reasons why because there's no reason why I shouldn't have got the denied XXXX have disputed and appealed the transactions XXXX times and they steady keep me too following appeal. I have not received my credit I am eligible for because once they deny your appeal the 10 days starts all the way back over I notice XXXX will never get my credit if they keep denying me for no reason. I have asked for documentation for the investigation and they have not sent me any explanation only questions i answered for my disputes. Not only that I talked to an agent and they told me the reason why they are denying claims because they need more time to do the investigation but in the policy it says they have 45 days to 90 days to do the investigation so why are they denying claims just to get more time it is actually setting the customer back on their credit that they are eligible for I have proof of all of this. I have been talking to chime about this problem and all they say they can do is file a rebuttal I have done XXXX times and still no evidence to why I am getting denied I just want my refunds but they refuse to give it to me. They are not following their policies correctly.they also refuse to give documentation of why my claim was denied that is explained on the denial email I keep on receiving they refuse to give me the documentation I don't think they have it because it's been a month and a half and no evidence from that letter they keep denying my disputes with They shouldn't be denying my claim if they don't even have evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: TX
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 disputed these 3 accounts off of my credit with Equifax 2 weeks ago. Still have not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Was not notified of investigation status or results

Complaint:
Transunion, XXXX, & XXXX  have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed 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 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2018, I sent in a balance payment for my Cabela 's   credit card administered by Capital One, 10 days prior to the due date. Thirteen days later, I noticed that the check had not cleared my Credit Union, so I called Capital One, and after a conversation with the service personal, decided to provide my Routing and account number, to pay the new balance, and close the account. Assuming the first check was lost in the mail, I stopped payment on it. That caused chaos at Capital One. They debited my account, the amount of the stop payment check. Then for some reason, Capital One sent me a check, for the amount of the stop payment check. And told me I now owed them the amount of that check, plus interest and penalty. I called their service line, and finally got put through to a supervisor, that noticed the unusual activity, and said they would investigate, and get back to me in a week to 10 days, with an answer. They never contacted me. Then I started getting all kinds of calls from what sounded like their bill collecting department. And sent me a statement, for the balance plus interest and penalties. So I decide to just pay them, the balance including interest and penalty, and sent it to them priority mail, so I knew they couldn't deny receiving the payment before the due date. Today I get a statement for a new {$69.00} balance ... With a statement that doesn't itemize the charges. HELP! I just want them to close out my account, and explain why I owe them an additional {$69.00}

Company response to consumer: Closed with monetary relief