BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I noticed a charge on my credit card from XXXX for the amount of {$110.00} charged on XX/XX/XXXX. I have never been or made any purchases from this website. I immediately filed a disputed transaction claim online and Wells Fargo confirmed they were investigating the claim. I received multiple emails from Wells Fargo in the next XXXX confirming they were still investigating the claim. 

On XX/XX/XXXX, I logged into my account and saw over XXXX charges from XXXX over the past 30 days. There were multiple charges that occurred on the same day. This was clearly a case of credit card fraud. I called Wells Fargo and immediately cancelled my credit card and had all the additional charges added to my disputed transaction claim. Over the next several weeks XXXX reversed over XXXX charges. I assumed Wells Fargo was working with them to reverse the fraudulent charges. 

On XX/XX/XXXX I received a letter from Wells Fargo stating they had completed their inquiry and determined I was responsible for 25 transactions from XXXX totaling {$450.00}. The letter states, " The merchant verified your personal information, which may include name, address, phone number, email, account number or card expiration date. Based on this information, we've determined the transactions to be valid '. I do not understand how this qualifies as evidence that I made the purchases. Most credit card companies would have flagged multiple purchases as fraud immediately. 

I contacted Wells Fargo numerous times over the next several months asking for evidence that I made the purchases, specifically email confirmations, tracking numbers or proof of delivery. The associates I spoke to on the phone were very sympathetic and requested a review of my case. However each time, I would receive a follow up letter from Wells Fargo denying my claim and continuing to insist I am responsible for the {$450.00}. They never provided any additional evidence that I authorized the charges or received any merchandise from the vendor. 

I would like to note that I have been a cardholder for over 10 years and have had an excellent relationship with Wells Fargo prior to this dispute. I am attaching the initial dispute claim showing the over XXXX charges from Wish.com as well as the correspondences I have received from Wells Fargo XXXX none of which provide any evidence of why I am responsible for the fraudulent charges.

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 2021-12-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Wayfair credit card has been frozen for more than 2 months. No one can help. I dont even know the reason. Every time I check in, I cant talk to the customer service department at the phone number on the back of the card. Instead, Im transferred to a Wayfairs. In other departments, I even asked them to transfer to the customer service department, but every time it was blocked, and strangely they asked me to explain why I need to transfer to the customer service department, and it is necessary. The last time I even deceived me and the translator and put me and the translator on the line for about 20 minutes, knowing that the translator asked me to call again because there was no answer for too long. Every time I call in, I am only told that I need my personally identifiable information. This is to protect my account. I will receive a phone call or text message from the bank within 24 to 48 hours, or the bank will send a letter It may take 7 to 10 days to contact me. However, I have been waiting for more than 2 months without any news.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2021

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 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Purchased a vehicle from XXXX XXXX in XXXX, Oklahoma on XX/XX/2019. Noticed that they had charged us for a vehicle warranty that we did not want. Called XXXX XXXX on XX/XX/2019 and spoke with the finance manager who said he would remove the warranty if we would sign a new contract. Signed 2 different contracts that day because he raised the rate on the second contract. Third contract was signed with correct rate and no warranty. Received payment notification in the mail from lender on XX/XX/XXXX with the wrong payment. Called XXXX XXXX, spoke to XXXX XXXX, the business manager, and was told that the only thing they could do was cancel the warranty and apply that amount to the note. We have a copy of the signed contract that does not include the warranty and has a payment amount that is {$36.00} lower than what we will be paying. XXXX XXXX refuses to submit the correct contract and takes no blame for submitting the wrong contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: In progress
Consumer complaint received 2023-02-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Business account with Venmo which I have used for 18 months now. Last week I received an email stating : " We have recently reviewed your usage of Venmo 's services, as reected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. '' They refuse to tell me how I violated their User Agreement. I have only ever conducted business transactions through my Venmo Business account ( of which they receive a service fee for each transaction ), and personal transactions through my personal Venmo account, which can easily be veried by looking at my transaction history. 

My latest correspondence dated today ( XX/XX/2023 ) with them was : Hello, Thanks for following up. We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. I apologize that we're no longer able to serve your business and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. Best, XXXX XXXX | Venmo I am ling a complaint with CFPB because I know they have done this to many others ( read this article XXXX XXXX XXXX XXXX ). It is not fair they can take away a source of revenue for our businesses without telling us the reason why. We have no way of defending ourselves and are not allowed to speak on the phone with anyone - email is the only way to communicate with these " decision makers ''. But how can we argue our defense when we don't know what we did wrong??? 

Plus, they deactivated my personal Venmo account even though their email dated XX/XX/2023 says : " Please be aware that your personal account is not restricted and you are free to continue use on that account. '' As of today, if you search for my personal account, you will not be able to nd it. 

Their business practices are unfair to customers. They are a Big Tech bully toward small businesses and individuals, and need to be held accountable for their deceptive and unfair conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Luckmore Finance
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause XXXX XXXX  and XXXX due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: IL
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 itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX Closed My credit card without consent. I did not authorize my credit card to close. XXXX XXXX XXXXXXXX then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. Equifax is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I filed a settlement claim with Equifax on XX/XX/2020. I have not gotten my claim and it has been under review for over 6 months. I have contacted the administrator directly 9 times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: IL
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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 response to consumer: In progress
Consumer complaint received 2023-06-18
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-02-16
Company: EQUIFAX, INC.
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:
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 : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Strategic Alliances, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Re : case # XXXX XXXX First Portfolio Ventures in XXXX XXXX XXXX Plaintiff told court that they had 'perfected service on me ' regarding this case. 

From middle XX/XX/2020 to late XX/XX/2020, I was hospitalized with a life-threatening medical emergency and required XXXX XXXX XXXX XXXX XXXX. During this time, I was completely unaware that any proceeding was being levied against me by First Portfolio Ventures I LLC through their legal counsel of XXXX XXXX. 

Because of this life-threatening medical emergency, I was physically incapacitated and could not have made any kind of response even if I had known that this was going on. Proof of Medical Records of this can be provided upon request. While I was in the hospital and in rehab, there was no one authorized to sign any signature cards for certified mail on my behalf. 

I believe that XXXX XXXX has submitted falsified documentation to the court that they perfected service on me. I requested that the documentation they submitted to the court be provided to me for verification of signature. None has been forthcoming. 

I consulted an attorney on this and was told " Mail carriers have been signing for certified mail deliveries themselves during the pandemic. This may have happened in your case. You might be able to get the default judgment thrown out if that is what happened. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation