BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo send my information to a XXXX party and I paid the XXXX party with a tender negotiable instrument. Wells Fargo contacted me and said they contacted the company about my negotiable instrument and Wells Fargo told me the company said they didnt receive it. I provided the tracking number for Wells Fargo of my negotiable instrument I sent to the company. Wells Fargo should not have sent my information to any XXXX party without my consent. I did not give them promotion to send my information to anyone. Also Wells Fargo said my account was charged 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 explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-01-30
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello! I'm a XXXX resident. XXXX XXXX I opened a Citibank checking account online. My Grandmother who has a joint money market account with her niece instructed to send an international wire transfer of {$12000.00} to my newly opened Citibank account. When that deposit hit my account on XX/XX/XXXX I tried to XXXX myself {$500.00}. Immediately citibank flagged the transfer and froze both our accounts. Both my aunt, grandma and myself called citibank to confirm the wire transfer was valid but they did not adhere and told there would be an investigation and all monies would we distributed within 60 days. We kept calling all there XXXX numbers/fraud department and got run around every time. I went into a local branch in XXXX on several occasions for help. I dealt with XXXX XXXX XXXX who again who was not much help. In XXXX both our accounts were closed, and a check for the remaining balance that was left in my grandma 's account was sent. My grandma initiated this transfer as I was going to visit her in XXXX in XXXX where she lives 50 % of the time and wanted me to bring the cash for her medical fees & visits as she is XXXX XXXX. After my Grandmother called citibank in XXXX to get clarity on where her money is still no answer and let her know someone would be in touch. We then received a call from XXXX XXXX @ citibank XXXX XXXX in XXXX from the major incident dept. Again he has been little help and recently told us we need to call another XXXX number. It has been almost 7 months that Citibank has held hostage {$12000.00} and we still don't have any answers. My grandmother is old and has health issues and this money that is being held hostage from my grandmother is completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: MO
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:
Subject : Complaint Regarding Credit Scoring Practices and Consumer Treatment Dear Sir/Madam, I am writing to lodge a formal complaint about the current practices surrounding credit scoring and the treatment of consumers, especially in times of financial hardship. 

Firstly, I have observed and experienced firsthand that credit scores are quick to reflect negative information, resulting in rapid downgrades. In contrast, improvements in one 's financial behavior take an overly slow and inconsistent time to be reflected in their credit score. This asymmetry not only affects consumers ' ability to access credit but also implies a system that is unforgiving and does not adequately reward positive financial behavior.

Secondly, it is concerning that paying off debt, which is inherently a positive financial move, does not seem to be adequately recognized as such within the scoring system. This disincentivizes debt resolution and could potentially trap consumers in a cycle of debt.

Moreover, I believe there is a significant oversight in the lack of facilities or accommodations for individuals who lose their employment. The current system does not provide sufficient support for those who are actively trying to improve their financial situation by bootstrapping or seeking new employment opportunities.

The reliance on unemployment benefits as a means to support individuals during job transition or after redundancy is, in my experience, inefficient and inadequate. The process is often cumbersome, the support is minimal, and it does not align with the dynamic nature of the modern workforce nor the rapid pace of change in the job market.

In light of these concerns, I urge the CFPB to consider the following actions : 1. Review and address the imbalance in credit scoring dynamics to ensure timely recognition of positive financial behavior.

2. Recognize debt repayment more positively in credit scoring metrics.

3. Develop more supportive frameworks for individuals facing unemployment or financial disruption, which facilitate a smoother transition and empower consumers to regain financial stability.

I trust that the CFPB will take this complaint seriously and look into these issues with the aim of making necessary reforms that are fair and beneficial for all consumers.

Thank you for your attention to this matter. I am willing to provide further information or clarification as needed and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a joint account membership with XXXX  and needed it to be cancelled so they agreed to cancel my membership after a remaining balance of {$57.00} was paid but after it was paid they continued to charge my card which was switched to a card that didnt work anymore which is fraudulent because I didnt authorize them to and my membership was cancelled at this time see the screenshots of the emails I attached to see proof of them confirming that the account was cancelled you can not charge someones card who doesnt have a membership with you anymore that is fraudulent and should not be showing up on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: IL
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 incorrectly reporting that I owe money to XXXX on two accounts totaling over {$30000.00}. I havent owed them money since XX/XX/2023 when my accounts transferred to XXXX. Ive been disputing this for months and experian keeps investigating poorly and refusing to remove the incorrect balances. 

XXXX and XXXX both fixed this within a few days, I dont understand why its taking so many disputes and a complaint to get Experian to act with integrity.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ 2021, I contacted all three credit reporting agencies about the report of Child Support information. They are reporting the amount is XXXX. All three bureaus by law must report accurate information. This is the 611 ConsumerFairCreditReporting Agency Federal law. Currently, on my credit report, they are reporting it is now XXXX which is still incorrect. Federal law states, that three credit bureaus must report accurate information. 

All three credit bureaus for the last four months have not reported accurate and correct information on my credit report. This is against the law. They have not reported accuracy and when calling to inform them of the incorrect information they take my complaints as frivolous. They refused to validate the date. I have requested for all three credit bureaus to send documentation on what company verified the debt. They did not send any documentation on who or what company verified the debt. I have received my request for dispute is still pending. However, if the Florida Department of Revenue is reporting information monthly all three bureaus should be reporting correct balance and correct date of last activity. The three credit bureaus are showing the last reporting date XXXX2021.

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 2022-03-20
Company: FORD MOTOR CREDIT CO.
State: GA
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 new and updated information regarding complaint number XXXX. I repeatedly requested the following documentation : a comprehensive audit trail to include all documentary evidence to validate the authorization of this transaction, debt validation, the Generally Accepted Accounting Principles ( GAAP ), proof of accounting ledger from when the account was created up to its current state, the signed authorization that gave them permission to access and release my personal private information, signed in wet ink consumer credit application, proof of name and address of the original creditor that created this transaction, and name and location information of all parties that benefitted from this transaction, but FORD CREDIT have failed to send the requested documents. They are violating my consumer right to assess and validate this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Here it is. XXXX XXXX day I was looking at my XXXX XXXX XXXX when I noticed 4 accounts that I never archived. Notifications were turned off for each thread. When I clicked each thread the only thing in the thread was XXXX XXXX  sending out money to accounts that I not only do not recognized, but were clearly fake accounts. The profiles each had under 100 friends and XXXX  photos as profile pictures. The total ammount was XXXX XXXX All sent 4 transactions happened in less then 30min. This happened on XX/XX/2022 around XXXX XXXX  to XXXX. I vaguely remember getting a suspicious login email as well as I had to change my password. I have reached out to Chime 4 times I've spoken to a supervisor whom was very unhelpful. I gave all the details I've given you here plus more. Each time the dispute was shot down very quickly. This is just wrong. Where is my protection? I am out almost XXXX XXXX This isn't a uncommon theme with Chime bank after doing some digging online. I also have a screen shot from XXXX XXXX XXXX  in that log clearly shows that someone gained access to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My XXXX XXXXt Account ( XXXX XXXX ) was part of the program At some point XXXX sold the account to Midland Credit Management. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be Midland Credit Management. XXXX XXXX XXXX more specifically XXXX XXXX XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact Midland myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by Midland their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the XXXX XXXX   XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to condition. Requesting removal of late payments and negative tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Phone was stolen Im XXXX XXXX XXXX my wells account online banking was hacked and {$1000.00} was transferred between accounts using atm withdrawals but I was never refunded

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 2023-01-20
Company: Experian Information Solutions Inc.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-29
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Commenity Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Commenity Bank has continued to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 

This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Commenity Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
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:
On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted 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 landed into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and 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