BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
Prestige financial is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of XXXX  and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello, I received a vanilla gift card for {$100.00} for my baby shower. I opened the gift card to use and was surprised it was already used. I called the customer service number in the back and it took me an hour to file a claim. The representative wanted my date of birth, name, address and location where I purchased the card ( after repeatedly said it was a gift ). The woman on the phone kept intimidating me by saying we cant do nothing without the card. But, I provided the card number. So, I have the card. I called in XXXX and followed up many times when I didnt receive my dispute claim form via email ( as promised ). I called and they told me they had the wrong email and asked for tons of personal information liken date of birth, address, etc again. Even though I gave them the ticket number and it was their error. The form stated that they will follow up in 90 days. When the 90 days is up, the dispute team wrote back to see I didnt send the ticket number. But, the ticket number is not included on the form and shouldnt matter. I responded right away and no response. I called XX/XX/XXXX and they informed me that my claim has been reopened as of XX/XX/XXXX and I need to wait another 90 days. They cant connect me to the claims people making these decisions and I have no choice to sit and wait another 90 days. This is their way of not reimbursing me They told me the card was used at a XXXX in Oregon and I live in Mass. they have the information they need and they sit on cases just to deny them and start the 90 day process again. They are a bunch of thieves. Each time I called, I waited 45 mins to dispute a {$74.00} charge on a {$10.00} gift card. 

DO NOT BUY VANILLA GIFT CARDS. I know others who lost money because theyre tired of keep following up with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

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 explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the XXXX XXXX XXXX act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 's & numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also state 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 then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I am an authorized user on a XXXX XXXX/Wells Fargo account. I disputed inaccurate reporting on an over 30 day delinquency that was reported in XX/XX/XXXX. As a result, the update that was sent to XXXX   was a Charge-off of XXXX in XX/XX/XXXX. First, I was not contacted that the account was past due or that I was responsible for the payments. Second, the obligor filed bankruptcy in XX/XX/XXXX. In XXXX, the obligor attempted to log in to Wells Fargo 's portal to get the amount due but was locked out due to the bankruptcy filing. When the obligor contacted wells fargo, was advised that they could not speak with him. Per page 6-19 of the XXXX Credit Reporting Resource Guide, Authorized Users on  accounts included in a bankruptcy petition should either be terminated or deleted from the account because they are not contractually liable for payments. The inaccurate reporting is a violation of the FCRA. I have attempted to contact Wells Fargo, but was advised that they can not talk with me. If this item is not removed to from my credit, I will consult my attorney to take further action regarding inaccurate reporting. I never applied for credit with XXXX/Wells Fargo therefor I am not liable for the payments. My credit score has dropped 60 points due to the charge-off.

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Capital One Venture X card. My rolling cycle starts XXXX of every month. I am enrolled in the autopayment program on the XXXX of each month. 

In XX/XX/2023, I decided to pay the balance ( {$12000.00} ), that would be due on XX/XX/XXXX, a bit early on XX/XX/XXXX since my balance was high due to some big purchases ( heard somewhere carrying a high balance was not good for my credit rating ). 

I did not do anything about the autopay option since I assumed I would be billed {$0.00}. 

However, on XX/XX/XXXX, CapitalOne extracted {$4900.00} from my checking account which is a balance of transactions between XX/XX/XXXX and XX/XX/XXXX. Normally, this would be among the balance that would be due XX/XX/XXXX. 

I am outraged that a credit company would extract money out of me before it's due. Capital one states it's in their policy, but there is a big flaw in that the description of " statement balance '' does not define it leads to prepaying. They are penalizing consumers for paying early, thus loss in interests. I have not experienced this in other credit card companies I have used. 

Thank you for your consideration. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( XXXX ) This is not an open ended collection account. 
( XXXX ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXX it shows 0 % of this account is paid off. That doesnt make any sense. 
( XXXX ) The balance transferred from XXXX XXXX is inaccurate. 
( XXXX ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first XXXX as XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, 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:
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE EQUIFAX CONFIRMATION NUMER XXXX FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED EQUIFAX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NV
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:
I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX added {$190.00} for XXXX XXXX charges that were to be removed. Contacted XXXX XXXX, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call XXXX XXXX customer service back to help with any credit issues. I was also told by XXXX cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to XXXX XXXX on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX XXXXid not have a supervisor available, so a XXXX XXXX supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from XXXX XXXX stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My XXXX XXXX Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem XXXX years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( Experian ) to clear the wrong that has been done to me.

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 2023-02-13
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:
Experian is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXX XXXX  account reporting on my credit report is incorrect, inaccurate, and false. Experian responded by updating and modifying the XXXX XXXX account. I did not sign any such credit contract agreement with XXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with XXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXX XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX nor XXXX XXXX are not my creditors to enforce payment. XXXX XXXX XXXX lacks enforceable security interest.

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 2021-10-14
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My company XXXX XXXX XXXX ( XXXX XXXX XXXX  ) applied for a PPP loan on XX/XX/XXXX with my personal banker XXXX XXXX ( Frost Bank XXXX Tx ). All of my workers were 1099 misc workers which made up the majority of my payrolls. My application was approved and funded on XX/XX/XXXX. At the time my application went thru and was approved 1099 misc workers were allowed to be used for payroll on the PPP loan. I submitted for forgiveness in XXXX of XXXX. My bank came back and said the loan couldn't be forgiven because the new rule that came in effect after my application was submitted and approved stated that independent contractors ( 1099 misc ) could not be used towards PPP loans. I received my loan and dispersed the monies exactly as intended by making sure all of my workers had a paycheck each week to get there bills paid and to stay afloat. This should fall on the banks shoulders as the loan never should have been funded if it was not going to be forgiven. I have been sent a business loan payment notice in the mail and i have a payment of {$59000.00} due on XX/XX/XXXX. I do not have this money to pay them back as the monies from the loan were depleted long ago after i received it. I will attach original loan application along with everything i submitted to the bank back in early XXXX. I will attach my loan forgiveness application as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Truist Fraud Closed my new Buisiness checking account, Personal checking account, Money market account for absolutely NO REASON whatsoever. 3-4 Years ago Suntrust bank Now Truist Did the same thing blaming a older check as a reason for closure when in fact there was nothing wrong with the check and XXXX  XXXX  XXXX verifed funds and provided a slue of doccuments to back it up. SunTrust fraudulently closed my account for no reason and HELD funds for 3 months with 0 reasoning. Truist is now holding onto XXXX of cleared funds for no reason. My branch manager assured me that the new account would have no issues as the old account was never flagged. I know i am not alone per other complaints online. XXXX claims the bank has decided to terminate the relationship with no explanation. My branch manager is actively trying to reopen the account with the back office and i will be given a update on funds XXXX. I have no issues with other banks and bank with multiple institutions. Truist/suntrust will close a account without warning or explanation.

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 2023-05-17
Company: CITIBANK, N.A.
State: VA
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:
CitiBank dba SearsCard violated federal law, violated its MasterCard regulations, did not respond to my many specific proofs of a false charge to my account, did not investigate a single fact of the dispute, and ignored the merchant 's self-incriminating information. Attached is a detailed letter of the facts of the case, all of which CitiBank has totally ignored and none of which CitiBank ever refuted. Also, CitiBank has ignored my request to close my account and record it as being my request.

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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.

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