BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked the balance of my credit card through wellsfargo.com on XX/XX/XXXX I thought I had a balance of credit available for {$1500.00} .... instead I find the balance on this account for available credit is just {$140.00}... 
I called wells fargo credit card department on XX/XX/XXXX and XX/XX/XXXX both customer service siad and verified that changes to my wells fargo credit card were made on XX/XX/XXXX ... .. both customer representatives said they had no other information on my account but the explanation on why changes information were going to be mailed to me in the mail ..... 

I can't believe that after paying this credit card for many years ; that all I have for credit is {$140.00}? 

please help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Healthcare Receivables Group, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My identity was stolen. I tried to dispute the account. They then made new accounts with the same account numbers and claimed they sent it to an attorney to sue me for dept that WAS NEVER EVEN MINE. I am very angry about the situation and it never seems to get resolved. It needs to be taken off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account has showed up on my credit reports, I do not owe this amount to any XXXX XXXX XXXX 
I contacted the XXXX and the social they have on file for this account is NOT my social security number. 
This account was first delinquent in XXXX, I arrived in XXXX a few months ago. How could I have attended this school? Please delete this from my records. I am attaching my work permit so you can see I have been in the country since XX/XX/XXXX. 
I want this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Dept of EdXXXX, Dept of EdXXXX, Dept of EdXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

- There are several inaccuracies being listed on 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Starting on XX/XX/2022 " soft '' inquires started appearing on my Transunion credit report from XXXX. I do NOT have a relationship with XXXX and I have NOT authorized any of the DAILY inquires. I am a victim of identity theft, unauthorized activity started on or around XX/XX/2022. I have notified XXXX via the only communication portal they have ( XXXX ) and I have called Transunion to report the unauthorized DAILY soft inquiries, neither was helpful. 
" XXXX '' with XXXX told me the only solution to getting any fraudulent account that was created with XXXX would be for me to create an account ( provide my personal information to them ) then they could delete my account. I will include screenshots of the AI generated communication I have received. 

I am trying to alert the CFPB, the FTC, Transunion and XXXX that the daily unauthorized soft inquiries on my Transunion Account need to STOP and something needs to be done to investigate whomever has been doing this since XX/XX/2022.

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 2022-11-19
Company: JPMORGAN CHASE & CO.
State: GA
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:
CHASE BANK. My wife and I placed money down on XXXX in XXXX for XXXX vacation. When it was decided that we could not go, XXXX promptly refunded our money on XX/XX/XXXX as set forth in the terms. The problem was that I had unfortunately, on XX/XX/XXXX, closed the credit card account used to make the deposit. The monies, {$690.00}, however, were sent to that closed account. The bank is Chase Bank. I have the account number, payment code, and trace number if needed. I have since called Chase Bank on several occasions and written XXXX letters to their Card Member Services address. I am stonewalled at every turn as their help line, XXXX, is a maze of reconnections leading nowhere and each time I write, I receive a letter that says, " We are not able to fulfill your request ''. The reason we cancelled the vacation is that my wife and I need those funds for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: SYNCHRONY FINANCIAL
State: WA
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:
I ordered XXXX XXXX XXXX XXXX XXXX from XXXX  and they sent out the package with XXXX. My shipping address is XXXX XXXX XXXX XXXX, XXXX, Washington. The tracking number is XXXX. On XX/XX/XXXX, the package is marked as delivered to XXXX, Washington. I contacted XXXX and they said they will start an investigation with UPS. On XX/XX/XXXX, XXXX said that they contacted the shipping carrier. XXXX said the shipping carrier said the package is delivered to my XXXX address successfully. However, UPS told me and also my renter 's insurance company that they located the package on XXXX where it was then held at a holding facility for 5 days and sent back to the merchant, XXXX. XXXX lied about the ups investigation result and refuse to refund. 

I uploaded all the information including UPS 's response, the investigation from my insurance company, etc to credit card company and they still insist in the favor of the merchant.

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 2023-01-17
Company: Bread Financial Holdings, Inc.
State: CT
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:
Hi I made a purchase on XX/XX/2022 off XXXX XXXX I tried to reach them with no success. I found out it was a fraudulent company through another company. I never received the item so a called in XXXX before the 90 day cut off. I never received a provisional credit for the purchase. I was told it would take XXXX to investigate the dispute. I called after the 90 days because I was never credited. I was told they are still investigating. I spoke to several people including XXXX supervisors XXXX, XXXX, XXXX and XXXX and got no where. I am on the phone with yet another supervisor XXXX  and getting no where again. He wants me to put in another dispute and wait another 90 days. I just want my {$140.00} back. This is ABSOLUTELY UNACCEPTABLE. How many times do I have to call to get my money back. He put another dispute through this time someone gave me a reference number XXXX. I have not receive any mail or emails regarding the dispute. I sent several message through my online for the credit card and also did not get any where with them. Please help me get my money back it is not a lot of money, but it is my money. This company has made so much money on me for finance charges and I was always a good loyal customer that was never late. 
Thank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American Express is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now XXXX years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that American Express got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 American Express considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-19
Company: Tally Technologies
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit report shows a Line of Credit account & debt owed that I have no knowledge, nor was opened by me. This unauthorized use of my information & credit report affects my employment status. 

Account info Account name TALLY TECHNOLOGIES INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open. {$4.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$10000.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$4100.00}

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 2023-10-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I went to the Wells Fargo on XXXX XXXX just before noon to open an account, as there was an online ad for a {$520.00} bonus for opening an account and depositing funds. 

When I walked in, a XXXX XXXX woman who may have been from XXXX asked me if she could help me. I told her I wanted to open an account, as there was an online ad for a bonus and I had the coupon code. She looked irritated and had me sit down and asked me, did you read the conditions to get the bonus? I said yes. She said, so you're going to have direct deposit? I said no, I'll do the funds transfer. She said, so you'll bring in the amount? I said, no, I'll do an online transfer. She said, so you have the amount? I said yes. Then she told me to sit in another chair because she was busy with somebody else. I walked out. 

Four times she treated me like an XXXX : First, she asked if I had read the conditions ( of course ) ; second for saying, then you'll do the direct deposit? ( Obviously she didn't know there were other promotions going on that don't require direct deposit. ) Third she asked me if I'll bring the money in. ( Hasn't she heard of electronic transfers? ) XXXX, she asked me if I had the amount ( why does she think I don't? ). She was giving me the third degree after I had specifically told her that I had read the conditions and was prepared to transfer the amount. She made it clear that she didn't believe me. What a rude, condescending XXXX. 

So I went to another Wells Fargo at XXXX XXXX XXXX and told a woman I wanted to open an account ; that I had seen the online bonus advertised. She got the same " you're bothering me '' look on her face, spent more time than necessary to see if she had any appointments scheduled, and finally told me to sit down, and she put on a fake smile and said that her name was XXXX. Then she demanded to know what my long-term goals were! I wasn't about to answer any personal questions and told her so. If she wants to check my credit score ( XXXX ), fine. Or my employment. Or my criminal record. But I wasn't going to make small talk with her. She insisted that I answer her questions so I walked out. 

I follow the banking bonuses and have opened many accounts at different banks. But I've never been treated like this. 

It looks like Wells Fargo advertises the bonuses to draw attention, then does everything possible to treat customers XXXX XXXX  XXXX  so they won't actually try to get the bonus. Maybe the bonus comes off the local banks ' bottom lines- is that why they obviously don't want me to open an account? 

I've had three mortgages through Wells Fargo. Won't make that mistake again.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my credit report and noticed XXXX and Experian has this company XXXX account number XXXX which is a collection account reporting as a open account on my credit report. It also displays a past due balance According to the F.C.R.A law this is not in compliance with F.C.R.A and I can have this account removed. Ive tried disputing this several times using the dispute services of the credit bureaus to no avail. The credit bureaus do not truly investigate they simply re-report what information they have. After continuously violating the F.C.R.A laws the compensation is removal of inaccurate information but they simply updated and attempted to correct whatever they could which is again unlawful acts and or a direct disregard to the rules of the F.C.R.A.

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 2018-08-30
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Financial Assets Management repeatedly violated my consumer rights by doing the following : I let them know the best time they can call me, NOT between XXXX-XXXX, which means they are legally prohibited from calling me at that time and they continue to do so.

They continue to harass and be abusive over the phone which is against the The Fair Debt Collection Practices Act. They have called at the times they are legally prohibited from calling during three consecutive days in a row, multiple times during those days and have acknowledge that the notes reflect that I have told them that they can not call during those times.

They use unfair and threatening practices such as stating that my employment has scofflaws and because of that I have a moral obligation to pay the debt. However, that policy does not pertain to private student loans. When I explained that to them the response was that they did not care and their only job was to obtain payment and they are not in customer service and they can and will speak that way to me if they want to.

They have also made misleading and false statements that were threatening in nature.

They find humor in getting the individual upset, they speak over them and when you are trying to explain to them that you want to work something out but can't at discuss it at this time ( again, they are calling at times they are legally prohibited from ) they ask inappropriate, condescending rude questions.

Furthermore, when I asked the to cease contacting me the response was, basically, " too bad, we will continue to contact you and obtain payment by any means necessary. ''

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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXX XXXX XXXX XXXX I NOT AUTHORIZE THESE INQUIRIES 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 explanation
Consumer complaint received 2020-08-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had made purchases with my card and would never receive my items so I would have to file a dispute with the credit card company. I went to make a purchase last week and my card would not work. I logged on to my account and spoke to someone via chat and they told me my account was closed. She said I would get a letter telling why but, I have not received this yet. I asked when I would receive another card and she said I would not be getting a new card.

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 2023-09-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off the balance and the account is still reflecting closed on credit report as if it's not paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MEDCAH, Inc. contacted me and told me that I owe to XXXX XXXX XXXX XXXX XXXX  DMV as of XX/XX/23 of {$430.00}. I believe this amount is the cost of my car registration. 

However, on XXXX  I went to the XXXX XXXX XXXX XXXX  and renewed my car registration. 

This should not have been sent to the debt collector, it caused my XXXX XXXX to rise unnecessary, I would like to complain about this debt collector company.

Company response to consumer: Closed with explanation