BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: Bread Financial Holdings, Inc.
State: TX
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:
This Comenity capital bank hurts peoples credit. I often shop XXXX XXXX XXXX XXXX. About a month ago I had seen heavy ads in store about their credit card. I sign up. I get approved on the spot. But I cant utilize my credit in store yet, like XXXX or XXXX credit approvals on spot. They tell me my card will be in the mail. I receive the card with all the info. I receive a letter dated XX/XX/XXXX stating theyve closed my account because of too many inquiries ... there were THREE..one of which was theirs. I had not used the credit card at all. Now I have a short termed opened credit account thats been closed by the bank on my credit history and it made my credit score take a nose dive! This kind of practice hurts people because of their practices in place. I opened this credit card to apply monthly re-occurring bills that would be paid back to the credit card monthly in full to try to improve my credit score and it did the reverse. I called company and they said theyd add notes to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo Dealer Services is not reporting on time payments and current account balances in a timely manner. It is XX/XX/2019, and the last payment that they have reported is XX/XX/2019 or XX/XX/2019 depending on which credit bureau I am looking at my report on. The last balance they have reported is {$7100.00}, but my current balance is {$6500.00}. 

If I allow for their policy on reporting to the bureaus, which Wells Fargo Dealer Services has stated as " due date to due date, '' XXXX 's payment and balance would make my report current and should be what is shown on my credit reports, but my report only reflects being current in XXXX. 

I contacted Wells Fargo Dealer Services yesterday, XX/XX/2019 in an effort to resolve this, and they claimed that they had reported to the bureaus and they didn't know why it wasn't up to date. They reiterated their policy of reporting " due date to due date, '' and refused to assist any further. 

My report shows that the last time my Wells Fargo Dealer Services account was updated with any credit reporting bureau was on XX/XX/2019. If that is the case, and they report as they say they do, they have reported inaccurate information to the credit bureaus. I can confirm the credit bureaus are reporting the information they are given in a timely manner as my other lines of credit are current and correct ( reporting from XXXX ) within my reports. It makes no sense that all other accounts would report correctly except for Wells Fargo Dealer Services unless Wells Fargo Dealer Services isn't furnishing correct and current information to the bureaus.

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 2023-10-09
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:
I requested XXXX XXXX XXXX immediately remove all reported late payments from my credit report as stated in 15 usc. 1681 ( a ) no transactions or experience between the consumer and creditor to be reported and furnished on my credit report. This is against federal law which over ride any company policy. Also the information on the late payments is inaccurate different lasts payment date

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was promise wait for 180days. And after 180days I was told to wait again. But even after a year now, I still couldn't withdraw my money from Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Number : # XXXX Date : XX/XX/2019 I sent out a letter to The bureau of Equifax stating this collection debt is inaccurate & a result of identity theft, they also dont provide the name of the creditor. I would like for this debt to removed from my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This is concerning Citibank. 
I walked into their branch in XXXX Illinois and closed my checking account. 
Months later, I find out they've been charging me fees because the bank account was not closed properly and there was apparently a balance due. 
I went in to the bank to get this corrected but they said they have nothing to do with trying to correct it and that I had to contact some other branch to discuss it. 
I contacted customer service and I started getting the runaround. 
finally, I came across an individual so seemed to think he knew it all and started talking nonsense. 
I asked him to prove that I still owed money and he stated he did by reading off the balance. 
I became quite upset and let him know that. 
Next day, I find out that they have reported the late payment to all of the crediting agencies. 
I disputed with all of them and Citibank insisted they were right and rejected all complaints. 
They even reported to agencies they normally don't report to as I now see this item across all of them. 
Some of the agencies only have this one late payment showing when no other transactions for all the years I was with them showed. 
I then proceeded to close my credit card account with them that had the benefit of getting rewards based on the purchases made on it. 
They told me they were going to keep the money that I had cumulated to that point because I was closing the account. 
I think that Citibank is just quite disgusting. 
This was not the first disgusting thing they've done.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I was a victim of identity theft I called the company and explained the items dont belong to me. 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
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
my information was used fraudulently by an unknown individual with my consent, resulting in numerous open account that was not paid. i was confused when i saw my credit report with all these debt that was not mined, i wonder how is that allowed by creditors who open these credit lines. i was told by a friend who had it happened that i can get some if not all removed from my credit report, i am really hoping that happened for me. my identity was stolen badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: SC
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:
I have reviewed my credit report and noticed incorrect information 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent funds via XXXX to a person for concert tickets and never received the tickets. 
Funds were {$50.00} to XXXX account via XXXX. 
Obviously it was a fake account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions. 
I these accounts are to be removed deleted from my credit file.

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 2023-09-06
Company: EQUIFAX, INC.
State: MI
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within the last 2 months have requested the removal of inquiry according to 15 u.s. code 1681. nothing was 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 2023-02-17
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Report act, Experian credit Bureau, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
This credit bureau refuse to correct my personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Harris & Harris, Ltd.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I set up a payment arrangement online to this company and pay weekly. They wont stop sending threatening letters even after paying weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CMRE Financial Services, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, This message is in reference to the contract signed on XX/XX/XXXX for the XXXX XXXX XXXX with XXXX and XXXX of XXXX. I am providing clear and conspicuous notice of the fraudulent contract. 
I spoke with a salesman concerning the automobile approximately 2 weeks prior to signing the contract. I was told that a downpayment was required to strengthen my credit application for the automobile or I would be more likely to be denied credit. I provided the amount of {$4000.00} in cash to the dealership to pair with the credit application. I was approved and a finance charge was imposed on me by the creditor, Wells Fargo Auto. The finance charge was paid, the dealership received the credit for the automobile, and the automobile was released to me.

This is fraud because 15 USC 1662 ( 2 ) states, No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. The creditor can not arrange any downpayments in any amount according to 15 USC 1605 which states, ... The finance charge does not include charges of a type payable in a comparable cash transaction In the face of these two laws, there is no reason for a downpayment to be required for the purchase of credit. It is the responsibility of XXXX and XXXX of XXXX to provide proper disclosure since a representative of their organization was present, and not a representative of Wells Fargo Auto. 
These inconsistencies can not be misconstrued as bona fide errors due to the Federal Truth-In-Lending Disclosures section noted on the contract. Truth-In-Lending includes all subsections including and in-between 15 USC 1601-1667f, which they have the responsibility to uphold. Therefore, XXXX and XXXX of XXXX willfully chose to commit fraud by omitting this knowledge, harming me as the consumer when they were charged with the responsibility to ... protect the consumer against inaccurate and unfair credit billing and credit card practices. according to 15 USC 1601.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 second-time requesting 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 accounts 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 accounts : XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$430.00}

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 2022-03-13
Company: Experian Information Solutions 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My payday loan repayment was due back on XX/XX/XXXX. I had not been able to pay it be-cause other expenses that I am paying for. I had requested for help from debt relief agencies to help me repay the loan. I need help from your agency as well to help me repay the loan of {$300.00} back to SPEEDY CASH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft and account fee

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