BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was in XXXX XXXX XXXX XXXX last year at the XXXX XXXX XXXX and they had some sort of Time share or hotel club expo and pushed me to buy or join. I never gave my consent to get any credit or apply for any credit card. Barclays Bank Delaware sent me a credit card in the mail and then I called them and told them I never applied for a credit card. They told me okay and closed the account around XXXX, 2021. I'm not sure but I believe the amount of credit was around XXXX or so. Thanks.

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 2022-11-28
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my Bank of America debit card information skimmed and I filed for fraud with my bank on XX/XX/2018. They gave me temporary credit of {$1200.00} while the claim was being investigated on XX/XX/2018. They later contacted me on XX/XX/2018 to tell me the accredited amount had been adjusted to {$11000.00} because some of the purchase were valid, which is true because I mistakenly add those purchase and before this called Bank of America to notify them which the operator barely acknowledge my concern about mistakenly adding them so I am unsure if they even received that information. On XX/XX/2018 they contacted me for the last time saying that the claim has been resolved and that they are unable to pay and took the money back on XX/XX/2018. I did not have enough money to pay them back and now they are attempting to collect a debt that I do not owe because I was never liable for those purchases.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: CO
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  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-02-06
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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance 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 explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am filling a complaint against Capital One Bank. They are in violation of the Fair Debt Collection Practice Act section 807-8. They have no competent evidence bearing my signature showing I am obligated to pay debt in the amount of XXXX which they are reporting to the credit bureaus I owe to their company. 
In addition they are in violation of the Fair Credit Reporting Act section 623-b for defamation, negligent enablement of identity fraud violation by claiming I am responsible for a debt in which in XXXX  they approved an online credit card account which had not been used in years however in XXXX they sent me a letter stating some fraudulent charges were placed on the credit card account. They had credited back to my account the fraudulent charges made and would be mailing me out another card the card ending in XXXXThe card ending in XXXX is a card I never received. Therefore I am disputing charges placed on this card and the original card as invalid and not belonging to me. 
In addition they are attempting to collect money from funds which are exempt from collection,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing this complaint against Wells Fargo Bank, specifically their adjustments area. I work in the XXXX Department for XXXX Bank XXXX XXXX, Massachusetts. This complaint is on behalf of XXXX of our customers. Our customer wrote a check in the amount of {$1000.00} for payment to XXXX XXXX XXXX in XXXX of 2022. The check was cashed/deposited by someone else who has a Wells Fargo account XXXX XX/XX/2022. Wells Fargo stamped the back of the check with an Absence of Endorsement Guarantee, guaranteeing the funds were to be credited to the payee on the check even with the absense of an endorsement. The funds were not credited to XXXX XXXX XXXX as they do not have their account with Wells Fargo. XXXX XXXX XXXX has sent letters to our customer ( which I have forwarded to Wells Fargo on at least XXXX different occasions ) stating they never received or negotiated the payment, and therefore have not received the credit for the payment that is due them. I have been trying since last XXXX to resolve this issue for our customer and get her money back. I have sent numerous requests including all necessary documentation requesting Wells Fargo look into this and provide a credit to us as they accepted a check to an account that's not in the name of XXXX XXXX XXXX that was made payable to XXXX XXXX XXXX. I have sent emails, faxes, letters, to multiple addresses, fax numbers etc. to Wells Fargo, per the instruction of Wells Fargo employees only for all requests to be ignored. I just can not get anyone at Wells Fargo to assist us and I don't understand how this is acceptable.

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 2021-01-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 XX/XX/XXXX my bill for account TOYOTA MOTOR LEASING ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance 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 2023-02-22
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Called on XX/XX/22 and requested refund of payments made during COVID pause. Balance was finally increased on XX/XX/22. Refund should have been in the amount of {$6100.00}, instead it was in the amount of {$5100.00}. Refund was short {$1000.00}. Still need refund of {$1000.00} that was made during COVID Payment pause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX an online transaction was made through our banking institution Wells Fargo via XXXX in the amount of {$230.00}. XX/XX/XXXX XXXX TO XXXX XXXX ON  XX/XX/XXXX REF # XXXX {$230.00}. The product/service was not received. Contacted Wells Fargo and a claim was filed # XXXX. We would like our money back. This was fraudulent act committed ; Wells Fargo should back all transactions on their website and in good faith refund the customer. We were told most likely we would not be getting our funds back. 
Please assist in obtaining our {$230.00} back. 
Thanks.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: NV
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:
THE 3 CREDIT AGENCIES : XXXX, XXXX  AND EXPERIAN ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. XXXX DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
THE 3 CREDIT AGENCIES : TRANSUNION, XXXX  AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL XXXX BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...

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 2023-04-23
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I write navy Federal about my account. This account has been reported on my credit report over 8 years and by law is only have 7yeqrs years to report on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 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 and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
account with Chase has been closed for over a year but still excessive interest and fees keep accruing unable to keep making payments and payments already made don't even cover the interest charged. Business is currently under review for Bankrupt but might be able to settle the debt with the bank. Please have the right person contact me

Company response to consumer: Closed with explanation