BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a bank transfer in my wells Fargo online banking. I scheduled {$590.00} to be scheduled on XX/XX/2018 from my XXXX  account to be delivered by XX/XX/2018 to my Wells Fargo account. On XX/XX/2018 the funds of {$590.00} were withdrawn from my XXXX  bank account To be sent to my wellsfargo account. After several days, the Wells Fargo transaction status still stated pending the funds were never deposited into my Wells Fargo account. On XX/XX/XXXX, I called Wells Fargo to request to cancel the external transfer, because it was too delayed and The funds were never actually received by Wells Fargo. The transaction was confirmed and cancelled by a Wells Fargo rep. today is XX/XX/XXXX and the cancelled transfer of {$590.00} has never returned to my XXXX account. I contacted Wells Fargo and they stated there was nothing they could do, because the funds were never received by them and the transfer was cancelled several days ago. They told me to contact XXXX. I contacted XXXX, they said there was nothing they could do because they processed and sent the funds. No one is able to help me. XXXX confirmed that they have not received a notice from Wells Fargo regarding any returned transfer.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete.

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 2023-08-08
Company: EQUIFAX, INC.
State: NY
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 sent letters to the credit bureaus regarding 3 debt collectors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: GA
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on XXXX, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST 7 YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: CA
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 is 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 2020-03-21
Company: Experian Information Solutions Inc.
State: NY
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 a victim of 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 2017-05-10
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.

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 2020-03-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a dispute about inaccurate information on my credit report XXXX  XXXX  XXXX  {$800.00} to Experian I have yet to receive any response.

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 2019-01-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to ask for a retention offer and I never gave permission for them to close my credit card. I complained about 1. bad service 2. the annual fee.

The call got disconnected ( which in such a case has happened before and nothing happened after that ) and my credit card got closed 9 hours later against my consent and will. 

I tried to have them reinstate it and they claim the card is no longer offered which is a lie at it's best. The card is a XXXX XXXX XXXX XXXX. 

I would like to add that this has happened to me before and I was shot down by Amex all day until I opened a CFPB complaint ... ... it seems Amex won't move until they get pressed against the wall.

See link below that it is still being offered : XXXX XXXX XXXX I called them numerous times and spent more than 5 hours on this and was told yes we will get it sorted and all this and then only to get told no later on in the phone call. 

In addition I have some {$7000.00} in charges that are eligible for XXXX points per dollar which is XXXX points and now I will also be losing these points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a Credit Card customer of Barclay Bank for years, and recently, I had missed a payment because I did n't receive the statement. When I received an email AFTER the payment was late, I immediately logged online and paid the entire balance including the late fee. I called to ask for a waiver of the late fee as I did n't get a statement. And the bank refused citing that they had waived it once before which the reason again was because they did n't send me a statement at that time. I offered to remedy any future missing statements by setting up autopay but the rep was adamant about no fee waiver the  2nd time. I have been a customer for many years, and had never ever missed a payment except these 2 times. I asked for this fee waiver as a final time since setting up autopay will avoid any problems in the future. A manager did call me back but he called me on my WORK phone when I specifically asked to be contacted by cell phone, and I provided the cell number. I ca n't believe the manager left me a voicemail at work when I did not want my personal business to be left on my work number! They did n't respect people 's pr ivacy

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 2023-08-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
On a reply from Capital One on XXXX XXXX  I am being informed that Capital One has stated " In your request, you also indicated that you believe we should not be reporting your account to the CRAs. However, according to the terms of your Customer Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. '' While according to 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting a Late payment is a violation of 15 USC 1666B Timing of payments ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Capital One has asserted and enforced upon a consumer right directly violating the right to report certain information on my behalf. I have never been given the right to opt out of the reporting on this account this is my final attempt of removal before a small claims will be filed for violations of consumer rights and rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Gramm-Leech Bliley Act. The account is reporting as closed but not removed from still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We previously opened complaint # XXXX. 

The only message received was that SP Servicing would respond soon. 

CFPB seeing that there was a response, closed the complaint. 

It should not have been closed so we are re-opening it. 

SPS has resolved some of the issues. One issue that has not been addressed is that SP Servicing forced us to pay for additional {$4800.00} above and beyond the payoff statement for " Insurance '' purchased XX/XX/23 the day after the property was sold and mortgage paid off to SP Servicing. SP Servicing threatened to move forward with an illegal foreclosure if we did not pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Account information incorrect

Complaint:
XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing XXXX XXXX as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX  for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is 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 non-monetary relief
Consumer complaint received 2023-01-13
Company: M.A.R.S., Inc.
State: AZ
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:
M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from capital XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a business account that went delinquent. I was advised by a banker I had 90 days to bring current. I brought account current on the XXXX  day. Went into the Bank to reopen account after hardship and was denied to reopen account. I explained and ask to have them pull the call on situation and was still denied access to reopen account. I felt this was unfair due to the misinformation that was provided to me was not my fault. I felt Wells Fargo charge me the fees and put this on my banking credit profile and didn't honor the mistake of their own.

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