BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
State: MO
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:
The account XXXX XXXX is an unauthorized and unknown authorized user account reporting on my report, I'm asking that this account be removed.

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 2020-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - Equifax XX/XX/2020 - XXXX  & XXXX XX/XX/2020 - XXXX & XXXX & Equifax XX/XX/2020 - Equifax XX/XX/2020 - XXXX & XXXX XX/XX/2020 - XXXX & Equifax XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BARCLAYS BANK DELAWARE
State: MA
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 contacted Barclays to notify them of an unauthorized transaction that reflected on my credit card statement. I spoke with XXXX in Customer Service at XXXX PM who stated I needed to be transferred to the Security Department and I was placed on hold for almost an hour. I was unable to continue to hold so I called again on XX/XX/XXXX and spoke to XXXX in Customer Service at XXXX PM who stated that a fraud claim was opened the previous day and that a credit will take 7-10 business days to apply to my account. I then called back on XX/XX/XXXX at XXXX AM and spoke with XXXX in the Fraud Department who stated that he would need to transfer me to Fraud Investigations. At XXXX AM I spoke with Ina in Fraud Investigations who stated that I would need to be transferred to Customer Service. I was transferred to XXXX in Customer Care at XXXX AM who stated that she needed to open a fraud case because it was never opened. She stated that she would prioritize the claim and provided me with Case Number : XXXX. She advised me to call back if I do not hear from them. On XX/XX/XXXX I still had not heard from anyone, so I contacted Customer Care again and spoke with XXXX at XXXX PM who transferred me to Fraud. XXXX in Customer Security took my call at XXXX PM and stated that he needed to research this case. He informed me that the account was closed on XX/XX/XXXX and that he can not reopen the account. I explained that I did not want to reopen the account I was inquiring about my fraud claim. He advised me that he couldnt find my claim. He provided me with Case Number : XXXX and when I asked to speak to a supervisor, he refused to transfer me to one. The call then disconnected. I called back on XX/XX/XXXX and spoke with XXXX in Fraud Investigations who stated that she can not see any credit card statements from before XXXX of XXXX. She stated that it can take up to 90 days for the claim and that there is a scheduled call back from a manager within 10-15 days. Since then, I have heard nothing from Barclays. I feel that I am being treated unfairly by Barclays. I feel that Barclays is not providing me with an investigation into my fraud claim.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: AZ
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:
I have written letters to Experian disputing the information below as being inaccurate. I have submitted online disputes with Experian stating that the information below, and I also talked to the fraud department at Experian to get this information removed. Each time I have gotten a notification saying the information is accurate. These addresses have never belonged to me. 

I am from XXXX, XXXX, moved to XXXX XXXXn 2013 and have only lived in XXXXXXXX XXXX 

The named referenced below is not my name or a name that I have ever used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2017-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account was opened XXXX. High balance of {$780.00}. I mailed a certified letter to the creditor in XXXX XXXX requesting account be validated. I put in a credit dispute in XXXX XXXX, and XXXX XXXX stating inaccuracies in the reporting ; the date of 1st delinquency was in XXXX ; account is too old to be still reporting to the credit bureaus. This account was updated as correct. If account went delinquent in XXXX XXXX, XXXX then the balance should be {$0.00} by now since XXXX XXXX when the acct was opened. However, original late payments are not reflected on credit report, only the last 1st delinquency in XXXX XXXX. Account was left owing {$240.00} but was sold to PRA in XXXX XXXX showing charged off to {$540.00}. I have tried to resolve this issue and request my payment history for XXXX XXXX  from date of account opened in XXXX XXXX. They have refused to provide me payment history and continue to report the account on my credit which is now 9 years old because they do n't want to remove it as stated by law. I have requested the account be removed to no avail. Also, I am currently dealing with PRA for a settlement of an incorrect balance owed and have request the same payment history from PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  banks with Truist Bank and on XX/XX/2022, XXXX wired {$100000.00}, through their XXXX XXXX System to XXXX XXXX ( the recipient ) a vendor in XXXX to purchase vehicles for our XXXX Project. The recipient bank XXXX XXXX is in the XXXX XXXX XXXXXXXX XXXX use the recipient account number and the swift code to do the wire. The wire went through XXXX XXXX. On XX/XX/2022, the wire was returned in the amount of {$100000.00} and the return documents says the originator of the wire was XXXX XXXX XXXX in XXXX and the invalid XXXX was used. XXXX never used the XXXX to do the wire and after several attempts to contact Truist, who gave the same explanation as the returned advise, XXXX  was unable to find out the real problem. Many attempts to Truist XXXX wire department resulted in waiting time of 20 to 30 minutes and one such call resulted in 1 hour and 15 minutes with no one answering the phone. Finally after XXXX XXXX XXXX threatened to complain to CFPB we were given several names which resulted in a phone number to some who finally told XXXX, the reason the wire was returned was wires to the XXXX XXXX XXXX is because only XXXX can be used to do wires. 

The problem is this should have been a flag for the Truist wire system. Why did it take to funds seven days to be returned to XXXXXXXX XXXX bank? Why did Truist no tell XXXX the real reason the wire failed and why is the XXXX number a dead end? Why was {$90.00} taken our of a wire that never went anywhere?

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 2020-04-25
Company: GLOBAL PAYMENTS DIRECT INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I did request a short term advance through Global Payments System at XXXX XXXX XXXX, however they never disclosed that they can report to the credit bureaus nor provided a timeline to pay before their company will submit as a collection to the credit bureau. I have never received any paperwork in writing USPS postal mail or via email nor text. I offered to pay in full the total amount of {$770.00}, mailed the cashiers check last year I believe on XX/XX/2019 with the request to delete from my credit file, but they contacted me by phone and refused my payment then sent it back to me via USPS postal mail. I need help in resolving this issue, because when I was at the casino none of their collection process was indicated at all and how can they report to the credit bureau without disclosing their collection practices? Global Payments telephone number is XXXX. Also, they have listed 2 different account numbers on my credit file for the same account when I requested two different amounts. 2 separate cash advances one for {$300.00} & {$400.00} ; but totals {$750.00} because they may be charging {$35.00} for each transaction as well. They do not disclose any information whatsoever regarding their collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Multiple Bank of America accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my BOA account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: WA
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 mtg reporting account XXXX as XXXX owing and XXXX days past due. It reports open XXXX with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with XXXX mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all XXXX major reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Lewis, McDonnell & Associates
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company representative called and threatened to garnish my wages thru my employer and or take me to court without any notification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Business Acct and Personal Acct were attacked / accessed on XX/XX/XXXX at a Wells Fargo ATM machine while the cards were in my possession locked up at home, I never used an ATM in 20 years with this bank. 

Total funds withdrawn are {$20.00} at XXXX, {$680.00} at XXXX. ( Total XXXX ) According to the Well Fargo service rep, the bank provides this service, that, if you forget or lost your card and need money you can call some Customer Service number and they provide you a temporary PIN to access an ATM to get money. Also found out the bank raised the min withdrawals up to {$710.00}. This occurred 3 times, XXXX, XXXX, XXXX, on XX/XX/XXXX without customer verification, validation. 

I am out {$700.00}, discussed with the bank, and they are not being corporative. In addition, the bank rep stated, that they have had so many of these issues, that they are planning to terminate this failed service on XX/XX/XXXX. 

I reported it to the Sheriffs Department in XXXX FL, and they are looking into it, it is not the first case for them. Case XXXX, Identity Theft, Fraudulent use of Personal Information, XXXX -- -- -- -- -- -- -- -- -- - Beware - Worst Banks To Deal With -- -- ->. XXXX Web inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What are the worst banks to bank with? 
Wells Fargo & Company was ranked as the bank with the worst reputation in America, according to the XXXX ( and XXXX! ) XXXX XXXX XXXX XXXX Rankings. For the second year in a row, the company ranks at number 96 and has a reputation quotient ( RQ ) of XXXX out of a maximum score of 100.XX/XX/XXXXThe four banks with the largest total number of complaints included XXXX XXXX with XXXX complaints followed by Wells Fargo & Company ( XXXX ), XXXX XXXX XXXX ( XXXX ) and 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 2017-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Wells Fargo Bank Lowered My Credit Limit On my Credit Card From XXXX. To now only XXXX. Limit Without Contacting Me directly by Telephone Another Issue Is that Wells Fargo Bank Is only Able To Update the XXXX XXXX For The Customers Every XXXX  Days. Wells Fargo Bank Should Update The XXXX XXXX XXXX Every XXXX Days What I 'm Basically Saying is that They are Not reporting or Viewing What 's Actually Current when The Customer Or Bank Views His or Her XXXX XXXX Since It Takes XXXX Days For Wells Fargo To Update The Customers XXXX XXXX This Has Caused My Limit To Drop Without My Consent From Wells Fargo Bank.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: CA
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/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

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 2017-10-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
A letter dated XXXX XXXX, XXXX from XXXX XXXX stated that a small change in the amount of {$2500.00} was assessed to my account, see Letter pg 1 PDF. Upon receipt of this letter I called XXXX XXXX and spoke to a man that looked up the coding and stated it was for an insurance premium. During that time, I had experience working as a small-business XXXX XXXX and understood that as much as lending is about lending, it is also about selling insurance. The borrower would have to understand and accept the purchase of insurance that would protect the lender in the event the borrower died, became disabled, or  couldnt pay. Now, I was not asked to purchase an insurance plan on myself, I did not give XXXX XXXX permission to purchase an insurance plan on my behalf. I called XXXX XXXX again and I asked for more detail on the insurance plan and the woman on the phone couldnt give me any information and said she couldnt see any insurance notes and stated the amount is related to an agreement found within my promissory notes. 

I must have requested a log of activity because I received a letter dated XXXX XXXX, XXXX from XXXX XXXX that detailed previous transactions on the account, see Premium XXXX pg 1 PDF. The {$2500.00} insurance premium was listed within this letter and was applied to my loan principal on XXXX XXXX, XXXX, see XXXX XXXX pg 3 PDF. It never seemed right to me that I had paid for an insurance plan I had no clue what it actually covered, let alone, any details about the plan at all. In the event, should I become disabled, could I claim disability and know that my insurance plan would pay for the remaining balance on the loan and relieve me of my debt obligation? Am I paying annual premiums and dont even know about it? If this insurance plan adjusted the risk associated with my account, then why hasnt my interest rate decreased? I called the Texas Department of Insurance on XXXX XXXX, XXXX and spoke to XXXX. She asked me who is the provider, who is owner of the loan? I did not know who owns my XXXX XXXX loans. I did know XXXX XXXX was the servicer, but XXXX wasnt able to help me given that information. 

My question to XXXX XXXX is - What exactly is the insurance plan for and why did I pay for it? Can I have a copy of the insurance plan? 

Also, another question for XXXX XXXX - Who owns my loans, and can documentation be provided that can prove ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted this request 4 times to be fixed and Transunion has yet to fix it even though XXXX  corrected it. My score is XXXX on XXXX and XXXX on Transunion. The problem is with a credit card issued by XXXX that Transunion has deleted from my file. I explained that it should have not been deleted as I am a signor on the card and have been for many years. XXXX  corrected the mistake and Transunion has yet to do anything even though I have submitted the evidence and they can see that XXXX corrected the problem. I have called, submitted the corrections to them 4 times and they fail to so anything, I want this error corrected so my credit file reflects the XXXX card that is mine. The card was opened in X/XX/1998 and is in good standing. I have been an authorized user for years and has always reported on my credit file. I want them to restore it so my credit score reflects the correct amount of XXXX. 

Please help me in this matter as they have wasted many months on this and refuse to do anything even though the evidence reflects that they should of corrected it a long time ago. 

Best, 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 2022-04-01
Company: EQUIFAX, INC.
State: NC
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:
To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX -XXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX XXXX Act # XXXX -XXXX  Card Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXXXXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX XXXXXXXX XXXX  Act # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation