BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX of XXXX I ordered a table from XXXX XXXX XXXX. To receive free shipping and a discount I was offered to open a XXXX XXXX Visa card, sponsored by Comenity Bank. The table was to be delivered in early XXXX. It was postponed 7 times and in XXXX without the table I was charged on the account. I sent in a {$1000.00} payment, leaving a balance of {$1600.00}. The table continued to be delayed and in XXXX the item arrived in the wrong color. After several of months and dealing with a Ms. XXXX XXXX from Corporate Intervention the table was not available. I asked for my money to be returned. Miss XXXX credited the account on XX/XX/XXXX for {$990.00} which included service charges from the bank that the company uses Comenity Bank. I have called the bank several times and requested closing the account and a return of my credit balance. The first week of XXXX  I was told they would mail me a check. Two weeks later I checked and they said they would deposit to my checking account and asked for the routing and account number. That deposit was never made. Ten days ago I called again and they said a check was cut because my account number was wrong. They have had my money since XXXX and this bank is giving me the run around as did XXXX XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Capital One XX/XX/2022 XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for Wells Fargo 's Checking promotion earlier this year in late XXXX for {$250.00}. The bonus was broken into $ XXXX {$100.00}. Wells Fargo paid the initial bonus of {$150.00} on my account after meeting terms on XXXX but refuses to honor the 2nd portion of the bonus ( {$100.00} ) despite initially leading me to  believe I would get the {$100.00} as I will explain below. The terms for the second portion of the bonus were to continue making direct deposits of $ XXXX every 30 days for another 150 days following the initial 60 day period. 

Sometime just before XX/XX/2019 I contacted Wells Fargo via Secure Message asking about the status of my {$100.00} bonus. They  responded on XX/XX/XXXX indicating that I had yet to meet the terms but led me to believe that I was very close. They specifically detailed out that I made $ 500+ in Direct Deposits of {$600.00}, {$550.00}, {$780.00} & {$500.00} for the 4 months ( 120 days ) following the initial 60-day period and {$400.00} as of XX/XX/XXXX but presumably had until XX/XX/XXXX to meet it ( Deposits from XXXX XXXX XXXX XXXX and XXXX XXXX as XXXX ).  They said I had to make just {$96.00} by XX/XX/XXXX to receive the {$100.00}. The very next day on XX/XX/XXXX, a Direct Deposit of {$140.00} posted thus taking me over {$500.00} for the 5th straight month. So I thought I must be good for the {$100.00} bonus. 

Another month passes by and I still don't see the {$100.00} bonus post yet so I message them explaining to them that I had {$140.00} Direct Deposit post before XX/XX/XXXX. Now Wells Fargo tells me on XX/XX/19 that I don't qualify because I didn't meet the terms saying I only made {$370.00} in Direct Deposits from days XXXX?? ( 4th month ) despite their original message stating that I had done {$500.00}. I feel like I was screwed and deceived out of the extra {$100.00} bonus by Wells Fargo and that it should be honored.

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 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I paid XXXX on my American Express Credit Card and hoped that this would help my credit score. So far this credit is not showing up in my credit score.

Please show this credit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
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:
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) SCREENING REPORTS XXXX open date XXXX XXXX XXXX XXXXXXXX XXXXXXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date 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 2019-08-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX contacted me to find out what I disputed on my credit report regarding their entity. I advised the woman that my credit report with EQUIFAX INCORRECTLY states that the last payment was made in XX/XX/XXXX. I have paid EARLY and EXTRA money each month since XXXX. The woman advised me that she would look into the matter and make sure that the updates are correctly showing that I HAVE in fact made the payments. On XX/XX/XXXX, I received and ALERT stating that XXXX XXXX XXXX updated and left a remark on my account. Upon investigating, I discovered that the REALLY made things MUCH worse. My credit reports STILL do not show that the months of XX/XX/XXXX, XX/XX/XXXX AND XXXX of XXXX have been PAID IN FULL. ALSO now on my credit report there is a remark that says " NO DATA. '' for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX has not even been entered as a payment EITHER. Not only is the information that XXXX XXXX XXXX   reporting INCORRECT, from their latest entry, my credit score went DOWN two points JUST due to XXXX XXXX XXXX. I have ALL of the documents ( contained in snippets ) to show PROOF of what I have been trying to get across.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account 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 explanation
Consumer complaint received 2019-08-16
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/19 I received a phone call from an unknown number. When I answered the lady on the line said that she was trying to get ahold of me because they were going to garnish my paycheck and within a couple of hours they were going to serve me papers to sue me. I called the number she gave me XXXX. A man answered the phone and stated that it was a law firm of XXXX XXXX XXXX. He told me that I owed "$XXXX XXXX in credit card debt and that if I could not pay I was going to be served with papers. When I replied that I did not know what he was talking about he started yelling that I" didn't pay my debts, and I was going to get sued". I asked if he had proof of the debt owed and he laughed and started to yell again. I hung up and they called my employer within 10 minutes. I called them again to tell them that I did not want them to call my employer anymore. A woman answered. I asked for her name and she replied, "XXXX XXXX". She answered the phone as before, "XXXX XXXX XXXX" I asked for the address of the company and she would not provide it. She told me it would be on the papers they were going to serve later that day. I asked what state they were located and again she refused to answer. I told her not to contact my employer. That all of the contact needed to be with me. She told me that I did not get a say so. That when I didn't pay my bills this happened. That it was my fault and it wasn't going away. She threatened me with garnished wages in 8 days, unless I could pay the balance then. I again said no and she immediately interrupted and she begin to yell so I hung up. She called my employer  two more times within an hour. She gave my case information, told them that I was being sued, and told her "not to protect her employee". The receptionist that she was talking to told her after the first phone call not to call anymore.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Coinbase, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been trying to verify my identity on Coinbase in order to sell some of my cryptocurrency. Multiple times I have tried to sell my Ethereum and have not been able to sell as much as I wanted to because Coinbase wants me to further verify my identity. I have provided government issued ID, my name, address, etc already. Where the problem lies is that Coinbase wants me to provide and verify my social security number. Despite trying several variants of my address and name I have never been able to accomplish this! After a few tries I am asked to wait 24 more hours. I have a middle name and I am the third, so perhaps that is where some of the ambiguity comes in, but despite trying several address and name variations nothing ever works. This is particularly distressing because I would like to move my Ethereum holdings into a more safe asset ( dollars ) and watched myself lose significant amounts of money because I was unable to do this. I understand rigorous KYC and AML is necessary but your verification services are non-functional beyond reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-04-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. 
Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. 
My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! 
I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: NC
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:
I hope all is well.. 

I have went online to Experian unfreeze on the website and I have even mailed a certified letter to Experian with all my information they needed to unfreeze my report and Experian still has my credit report froze this has been happening for a very long time, I need it unfrozen for it to be able to be accessed for something, for a company. I need my credit unfreeze for the whole month of XXXX as stated in my certified letter. Please unfreeze Experian I have asked several times and they keep saying its unfrozen but its honestly not. Please look in to this, something isnt right. Thank you very much for your time. Have a wonderful day and please continue to be safe.

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 2021-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed inquiries on my Equifax report ( XX/XX/XXXX ) waited 30 days for a response to have the disputes verified or removed and have not received any response. 
1 ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: VW Credit
State: NY
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:
The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX - VW Credit Inc XX/XX/2020 XXXX  - Volkswagen Credit XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have unknown inquiries on my credit file that I did not approve to run my credit nor do I have an active/open credit account with from these companies. I am ver concerned regarding the serious possibility that the credit reporting agencies have not followed the permissible purpose provisions of the Federal FCRA. The inquiries in question are listed below alongside the date they were reported : 1. XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX. - XX/XX/XXXX 3. XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX. - XX/XX/XXXX 5. XXXX XXXX. - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXXXXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX - XXXX XXXX  10. XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2022-04-06
Company: EQUIFAX, 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:
There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.

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 2018-02-26
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: Account information incorrect

Complaint:
On both my Transunion and XXXX reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to Transunion and XXXX Please help. Thanks in advance.

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 2022-10-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open checking account with Tuist Bank and was reject due to an issue from 2010 when I have my account hacked. Truist bank only stated they could not open the account and no further information.

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 2022-04-06
Company: EQUIFAX, INC.
State: MI
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 yesterday XX/XX/2022 I called XXXX  XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.

Company response to consumer: Closed with explanation