BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: LA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email saying I opened an account with Wells Fargo. I never opened an account with them. I tried to call but was on hold and then hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX said that I was denied by them but PRE APPROVED with XXXX XXXX  and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX had they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.

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 2023-08-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a loyal customer of U.S. Bank for almost 18 years. Wednesday, XX/XX/2023 I went to pay bills though U.S. Bank 's Bill Pay. I noticed all six of our checking and saving accounts were gone. The only account I could still see was my Retirement CD. 

I called customer service and told them my accounts were not showing up, gave them my SS # they said they couldn't find my information, so gave them one account number and they confirmed all my accounts had been closed. I said that was impossible as my husband and I absolutely did not and never have closed any of our accounts. Now I'm thinking we've been hacked. Now being transferred for the 3rd time. She then said U.S. Bank closed the accounts. I asked where the money was and she didn't have an answer for me. Freaked out, I demanded to speak to a manager, the woman on the phone said she couldn't get me in touch with a manager ( why not? ) so she took my info and said she would have a manger contact me asap. A week later still have not heard from that manager. I got off the phone and immediately went to our local U.S. Bank branch in XXXX, CA. Manager had just gone to lunch so spoke with a representative, XXXX. XXXX said he couldn't find any info as to why all our accounts were closed, but did confirm a few check had been mailed out. He also said I wasn't the first person to come in with this problem in the last few weeks??? ( What does that mean? This is a thing? ) I asked for his manager to call me asap when he gets back, gave him all my info. Again, it's been a week and I haven't heard from anyone at U.S. Bank. We also still have not received checks for 4 of our accounts.

Why were our accounts closed? Can they really provide absolutely no information as to why they closed them? Is that lawful?

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 2019-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
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:
complete payment recovery services, inc IS ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY

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 2022-12-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company or scammers were reaching out and calling my family members to get a hold of me to pay a supposed debt for a shopping network of {$19.00} dollars in The month of XX/XX/2021. When I called the XXXX XXXX they told me that They do not work with that " debt company '' and had never heard of them. The " debt company '' has called me repeatedly and leaving odd messages even after I specified to them that I wanted a written notice of debt owed. Almost into the XXXX week of my last actual conversation with them and they have not mailed anything but they still keep calling me and leaving odd messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
Experian and XXXX has continued to report this invalidated information which is a direct violation of the FCRA.

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 2022-12-02
Company: EQUIFAX, INC.
State: OK
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 filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, Equifax, and XXXX the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX  has 4 days to remove them!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been very disappointed with the AMEX Platinum Card experience. I have been trying to spend a little more than usual on the card and I have been placed on a financial review in the XXXX month. But after that everything went well and the financial review was completed. Fast forward 2 months I spent a little more again and I get placed under a financial review for spending more again for no reason. It is so disappointing when you can not really use your charge card up to the full potential. I even got a checking account in AMEX so they know I will pay my debt to the fullest each month but it is not any of their concern. I can not keep doing financial reviews every two months that is absolutely absurd. Please do something about this man it is draining my day out and I do not want to wake up and go to work just because I have a financial review that I have to stress about and two AMEX cards that I can not use for 2-3 weeks for absolute no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was issued an unsecured credit card by XXXX XXXX XXXX XXXX in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, SUTTELL and HAMMER, PS a Debt Collection Agency, Sued me without properly notifying me of the lawsuit that a Judgment was filled against me for default on my XXXX XXXX XXXX XXXX, and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage to get some money for immediate needed House repairs we occupy with our Kids. I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to SUTTEL and HAMMER, PS, the collection agency representing XXXX   who filled the Judgment to have the LIEN REMOVED on the property but they refused, they also threatened severe action against our Property, Unfairly threatened that if the Settlement funds comes from the Refinancing or Modification of the House, they would attempt to collect the principal amount plus all accrued Interest over the 10 year period.They insisted that the LIEN will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. I explained my current financial situation to them that I am currently unemployed but to no avail.They wanted a Settlement of {$7000.00} before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted XXXX and Ally Bank, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial transactions are being declined ).

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 2019-06-16
Company: Experian Information Solutions Inc.
State: PA
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've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

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 2019-11-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, XXXX, and especially Equifax. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX -No Information provided original letter attached and ignored response {$100.00} 2. XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - Equifax claims to have verified this from XXXX XXXX but my XXXX XXXX  account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


XXXX 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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: 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. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
US Dept Of EducationXXXX Account XXXX XXXX, has violated my right to privacy. 
XXXX XXXX Account # XXXX, has violated my right to privacy. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Kohl 's Credit Administrator XXXX XXXX XXXXXXXX XXXX, WI Customer Service XXXX XX/XX/22 : Order # XXXX ( Rice cooker order made and assisted by XXXX XXXX Kohl 's Customer Service Person ) I purchased a rice cooker with a new credit card that was offered thru Kohl 's. However, Kohl 's customer service person ( Rep ) stated the order got cancelled by the Kohl 's system. Few days later, I received the charge card statement amount of {$370.00} while I still haven't received a rice cooker. 

On XX/XX/22, I called and talked with Kohl 's Rep, stating the order had been cancelled by the Kohls system and she reordered this rice cooker and followed an email stating the rice cooker was ready to ship. 

On XX/XX/22, I called and talked with Rep, and he said, XXXX XXXX time required and asked to wait until XXXX. 

On XX/XX/22 I called and talked with Rep, she said, no delivery activity being shown in Kohl 's system as she stated. She can reorder or I cancel the order and refund. I was very disappointed at this point. I requested a cancel the order and a refund to my account. I feel like this was a scam deal. 

On XX/XX/22 I noticed on Kohls website, charges still on my Kohl 's credit card. I called and talked with Rep. again. She said, Congratulations, all charges on my account have been removed and it takes effect within 7 days. I also asked to cancel my Kohl 's credit card. 



XXXX XXXX. I received a phone call and left a message saying my Kohl 's credit card payment is late. Call back XXXX. XX/XX/22 I called and talked with Rep. She can not help me with this matter. 

Please help me to resolve this matter Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Cel : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency repeatedly calls my husband, and even went as far as to tell him they were a collection company and give him the amount of my debt. They ALSO shared the type of credit card it was and when it was taken out with him. It is my understanding that they can not share this information with him. The debt was from 5 years before we were married, and he has not affiliation with it. This happened XX/XX//18. 

The company is called Portfolio Recovery Associates. Their last call to him was about 10 minutes ago, and they hung up on him as soon as he told him his last name was different than that of my debt.

Company response to consumer: Closed with non-monetary relief