BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Wednesday XX/XX/2023 I made several phone calls to Wells Fargo to first understand why I couldn't make an online account. My husband and I recently purchased a furnace through XXXX XXXX in XXXX. XXXX XXXX used Wells Fargo as their finance option. We spent {$4700.00} and went with the 18 month interest free payment plan. Upon receiving my account number from Wells Fargo I tried to create an online account to begin auto payments. I was denied entry upon entering in my Social Security # and account number. I called Wells Fargo to ask for help. These are my calls, times and interactions below : XXXX XXXX Was led by a representative in enrolling my account and was again denied access. I was transferred to another representative that told me in order to enroll online I needed to go to a Wells Fargo branch to show my ID. I wasn't told why this was or given any help when I asked if there was another way I could make payments. 
XXXX XXXX  : After researching where the nearest branch was I realized that there are no branches in the state of Ohio where I live or any surrounding states. I called back and was told again I needed to go to a branch no matter how far it was from me. 
XXXX XXXX : I called again to ask if there was anyway I could make ANY types of payments on my account via phone, mail, etc. I was told the only way to pay was to travel 100s of miles to make a payment in person. I was given no help after this. I was left frustrated, hopeless, and scared because I need to make payments on this.

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 2020-07-17
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
One day in XXXX, I tried to make a purchase with my credit card and found that it was frozen. I called my creditor to ask whether there was a problem or not, and the creditor said that there was abnormal activity regarding my account. They checked the activity with me and concluded that there were two transactions from XX/XX/XXXX that were not mine : one at XXXX 's for XXXX and the other at Home Depot for XXXX. The creditor told me that they would investigate the matter and give me an answer regarding how the matter would be solved. I made another call to my creditor in XXXX to check the status of the matter, however, the creditor had no answer for me. They suggested that I make a police report. I tried to consult with the police, but they told me that they do not handle matters regarding credit card fraud. In XXXX, I made two more phone calls to my creditor to inquire about the matter. They did not disclose any details regarding the investigation and concluded that the two transactions were not credit card fraud and were made by me. They then closed the case. 

Because of the Coronavirus outbreak, my bank was not open and I was unable to make a visit to dispute the matter. I made another phone call to the creditor on XX/XX/XXXX to dispute the decision and they agreed to reopen the case for further investigation. The creditor required me to obtain proof from the two stores at which the transactions were made. Both of the stores stated that they do not accept personal inquiries. 

On XX/XX/XXXX, I received a letter from my creditor. They decided not to acknowledge that the two transactions were not mine, nor did they acknowledge that I was a victim of credit card fraud. 

I have tried many methods to solve this problem. After calling XXXX, I was given your customer service number and called. One of your representatives directed me to your website to make this complaint.

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2020-09-10
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/2020 I tried make a purchase my card was declined. I called BankofAmerica to  find out my account was closed I spoke to a rep. They told me I had wait on letter they sent out. I never received letter the company said they mailed it out on XXXX.I spoke  to a rep. on XX/XX/2020 from " risk department '' of BOA they told me reason was cause of a authorized user I put on account could not be located in system when trying to verified person. BOA never reached out to see maybe information was put in correctly they just closed out all 3 of my accounts cause they believe some typo of fraud was going on.

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 2021-06-23
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2021, I received an alert from XXXX  and XXXX  that. a collection account had been added to my credit report. The collection agency is named enhanced recovery company based in XXXX Florida. this is the 3rd time this company has added a collection account to my credit report over the last three years. this incident involves an account with we energies, with whom I've never had an account. This company has nearly 1000 complaints with the XXXX. most for the same reason I'm making this complaint. This company tries to scam people into paying collections for debts they do not owe. Something needs to be done about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I was invited to apply for a XXXX XXXX XXXX Credit card through EXPERIAN with excellent approval odds, Only to be denied in return and also affecting my credit score by lowering 70 points. I was on my way to a great reporting status until the denial of credit through Experian after being denied. This denial also attaches a few hard inquiries to my report which is an injustice.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit from TransUnion. I have applied for credit in over 3 years, yet I have 18 inquires on my credit file. I called TransUnion and explained that I should not have any inquires on my credit report. I told them that my report is showing inquires that I made back in 2015 but now these inquires are showing up as recent inquires as if I applied for credit within the last 2 years which I have not. Also some of the inquires are duplicates from the same company 2-5 times in a row.

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 2018-03-07
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I do have many hard inquiries from companies that I do not recognize

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraud has been committed by XXXX XXXX XXXX account appears on my consumer report I never gave them permission to report to my private property. This account do not belong 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 2023-05-23
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 XXXX  XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have 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

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 2020-12-16
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This same alleged debt has been reported at least 5 different times now since I stopped doing business with XXXX in 2017. It took 2 years a 3 disputes for anyone to provide me with itemized details on what I supposedly owed. XXXX originally claimed ( by way of a rep at my door ) I had failed to return equipment which I never had and then eventually changed their story to saying I owed them for service several months after I switched providers and explicitly canceled them. 

I believe the constant re-reporting on the same fabricated debt is a blatantly fraudulent attempt to side step time limitations imposed on credit reporting. Stop being XXXX XXXX XXXX, this is why everyone hates you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
XXXX will not remove a fraudulent XXXX card from my credit. I have tried several times to inform them of the false information. Ive never had that account it is fraud and not mine, also a XXXX account is on my report that is fraud and not mine they refuse to remove it I have also only ever lived at XXXX XXXX XXXX XXXX tax and XXXXXXXX XXXX  XXXX XXXX XXXX since XXXX  all other addresses or not correct

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 2023-01-28
Company: EQUIFAX, INC.
State: MO
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. 

XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Media Collections, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from a company named XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018, collecting on debt from a XXXX XXXX XXXX in the amount of {$1400.00}. I submitted a debt validation letter to them within the 30 day period. I have no knowledge of this debt and want to know if this is a scam. I am a licensed attorney and will fight this unlawful collection attempt to fullest extent of the law. But, would appreciate your help on this manner, if you are familiar with this company attempting to collect this debt. If they have complaints on file. How do I go about getting access to those complaints or record of action taken against them. Thank You for your help.

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 2020-06-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX, my mother passed away leaving an IRA with SunTrust Bank in the amount of {$41000.00}. Her beneficiary was listed as her Trust. In XXXX, XXXX, I, as the trustee, submitted an Affidavit of Trust and a copy of the complete Trust to SunTrust requesting that they release the funds to her three beneficiaries. They refused at first but then after much diligence on XX/XX/XXXX, they opened ( 3 ) beneficiary IRA accounts for each of the beneficiaries and provided us with receipts. However, they never funded the accounts and therefore none of the beneficiaries have been able to transfer their funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is not responding to my requests to investigate and remove one account that does not belong to me from my credit report and three accounts that are reporting incorrectly.

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 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020- I purchased a webinar course from a company name XXXX XXXX also known as XXXX XXXX XXXX XXXX. 
XX/XX/2020- I contacted the merchant ( XXXX XXXX XXXX ) for a full refund in the amount of {$9000.00} dollars because service was not rendered. No Response from merchant. 
XX/XX/2020- I called Capital one credit card service to dispute the charge. 
XX/XX/2020- Capital one credited {$4000.00} dollars back to my account. Capital one required me to submit a questionnaire along with the dispute? 
XXXX XXXX I received and returned back the requested form. 
XX/XX/2020 Capital one Re-billed my credit card for {$4000.00} dollars. 
I called Capital one and they stated that they never received the requested form so I had the to resend it. When I requested the form for the second time, I realized that I had already submitted it 2 months, ( the mail has been behind ) XX/XX/2020 I called capital one about the charge and I was told my dispute was passed the deadline and that they sent my {$4000.00} dollars back to XXXX XXXX XXXX XXXX. 
XX/XX/2020 - I called the merchant and they stated that capital was never gave them back the XXXX dollars. 
Name : XXXX XXXX ( merchant XXXX XXXX aka XXXX XXXX XXXX  XXXX ) Name : Capital one ( fraud department )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 addresses, accounts and inquiry : 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 non-monetary relief