BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: WELLS FARGO & COMPANY
State: CA
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:
Three years ago around this time Wells Fargo sent me a credit card that I never applied for. They opened a credit card in my name & sent it to me without my consent or authorization. However, I decided to keep the card because it earned cash back. But after 3 years I have only earn {$24.00} dollars in cash back. So I was informed not only by Wells Fargo Bank but a friend said that I can convert my current Wells Fargo credit card to another one that will earn rewards faster. When I tried to convert my current credit card into the other credit card product, Wells Fargo said my account was not eligible. I asked the Wells Fargo credit card specialist, " why isn't it eligible? '' The Wells Fargo Rep said " either you missed a payment, or you have exceeded your credit limit. '' I have never missed a payment on my card, I have never exceeded the credit limit on my card, and I always pay my card in full every month. My Wells Fargo Visa always has a XXXX balance, and Wells Fargo knows this. However my friend who converted his Wells Fargo Visa is always late on his payments, always goes over his credit limit, but Wells Fargo converted his card. Wells Fargo is unfairly singling me out for some reason. I spoke to many Wells Fargo reps and they do not seem to have an answer. Maybe because Wells Fargo fraudulently opened my credit card. I am so disappointed in Wells Fargo for their unethical practices. They never even apologized for opening a credit card in my name and running my credit without my consent. I should have sued 3 years ago. But I decided to keep the card. Wells Fargo now needs to make this right and offer me a solution. The solution should be converting this current card I have into another card that will benefit me more. That is the least Wells Fargo can do. It's not asking much considering that they opened this credit card in my name without my consent or authorization.

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 2023-01-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a contract after filing an identity thief claim on XX/XX/XXXX after reviewing my credit report and seeing an account I did not authorize. I informed the credit bureaus and the third party account holder that the account was not mine. I sent them the police report and a day later they informed me the account was mine and that I was responsible. I re-informed the third party account holder that the very contract they sent me as proof was not signed by me and that their sources singed it and illegally printed my signature on the document. That amount of this debt XXXX   The assignor was Automobile client file no.XXXX XXXX   ACCOUNT : XXXX. Date assigned XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calls from a restricted number twice a week for months. I contacted the person who allegedly owes the debt ( if they even owe anything at all ) and they have contacted Comenity about this. The calls keep coming and they need to get their act together, I have no idea why they started XXXX me in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-04-13
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
-In violation of the Truth in Lending Act/Bill Of Exchange act -Breach of contact/Failure of Fiduciary duties -Gave personal information away to 3rd party without consent -Failed to properly respond to Affidavit of Truth with an Affidavit -Failed to properly respond to Affidavit of Revocation of Signature with an Affidavit -Ignored notice of Rescission -Ignored Cease and Desist -Violated numerous U.S. Codes in the Sales Contract -Failed to provide accounting/ledger -Now in default after numerous attempts to amend an solution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My card was sent to the wrong address in the mail so I never received it. I sent a number of emails letting them know I hadn't received the card and I was unable to make the payments or set up my account online without having the physical card and never got a response. I've tried to reach out to the company responsible for the store card but got no responses over the past 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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:
Equifax has fraudulent information reporting on my equifax credit file. The fraudulent listings are a result of identity theft. I have already reached out to Equifax without resolution the following are accounts that are due to identity theft that were opened as a result of fraud from a thief. I am attaching my Drivers License, and IDTheftAffidavit from law enforcement. Please review and block the fraudulent accounts. 

1. XXXX XXXX Line of Credit {$980.00} Balance with a {$1000.00} Credit Limit account # XXXX Opened XX/XX/XXXX. 
2. XXXX XXXX Revolving line of Credit Balance {$5800.00} Credit Limit {$6000.00} Account # XXXX Opened on XX/XX/XXXX. 
3. XXXX XXXX Revolving line of credit Balance {$490.00} Credit limit {$500.00} opened on XX/XX/XXXX. Account # XXXX 4. Student Loan US Department of Education Balance {$21000.00} Opened XX/XX/XXXX. Account # XXXX Inquiries that are fraudulent as well. - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX all XX/XX/XXXX with a lock on my file these are fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Is not my address. My Address is XXXX XXXX XXXX XXXX, TX XXXX Fraud Alert - does not list my phone number XXXX. Please correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Id like to have the old inquiries removed some are double as if the companies ran them twice without my consent some are old past the dates as well.

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 2020-08-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I opened a credit card with XXXX XXXX XXXX to purchase furniture. I selected the no interest for 6 months plan. 
On XX/XX/XXXX I scheduled a payment of {$600.00} On XX/XX/XXXX the payment posted of {$600.00} and I was charged a {$28.00} late fee. ( No grace period - which I did not know about. ) I forgot about the XXXX payment until today XX/XX/XXXX and was surprised to see the late fee. I immediately scheduled a payment and called to ask for late fee reversed. 
I was told by XXXX ( customer service rep ) that I actually had been reported to credit reporting agencies for {$56.00} on XX/XX/XXXX for Late fees for XXXX and XXXX? 
How is this possible when I made a payment for {$600.00}? She said it didnt apply nor did it count. 
Very, very upset. Have not mentioned I have been charged interest. 
Will never open a store credit card again.

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 2021-09-01
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to Federal Law Title 15 USC 1666a a creditor shall not directly threaten to report any person adversely on the obliges credit. After receiving notice BRIDGECREST has failed to follow procedures pursuant to FEDERAL LAW Title 15 USC 1666a ( a ) and 15 USC 1666a ( b ) ( i ) after receiving WRITTEN notice the creditor shall not later than 30 days after receipt of notice ( XXXX XXXX XXXX via certified mail and signature for proof. ) send a written acknowledgment and make appropriate corrections in the account. Upon notice which was signed for included an Affidavit of Truth aswell as a Cease and Desist and a Bill of Particulars. BRIDGECREST has failed to comply with the cease and desist order by continuously contacting me. Which all contacts have not been in compliance with Federal Law Title 15 USC 1666a ( a ) ( b ) ( i ) or 1666a ( b ) ( ii ). Instead BRIDGECREST has violated me as a FEDERALLY protected consumer by ignoring my cease and desist order aswell as threatening to take adverse action against any and all amounts in dispute pursuant to federal 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 explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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 made a payment to my credit card account with Capital One on XX/XX/XXXX in the amount of XXXX. It posted the debit to my checking account and I show the credit to the Capital one Account.. I attempted to use the card the next day and the purchase was declined due to lack of available credit. When I called and asked Capital One the customer service rep XXXX advised me that they " hold on to funds '' to make sure they are good before they make the credit available to use on the card. He stated that it could be a few days and it was common practice. The payment was made via ACH so it was not a paper check that was sent in for payment. I am not sure if credit card companies are held to the same standards as banks but shouldn't this be a reg z or cc violation? Needless to say I closed my account but still want someone to follow up because if Capital One is doing this to me then chances are they are doing it to others which would not be a fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home with XXXX XXXX in 2020 and it was sold to AmeriHome Mortgage. We set up our monthly mortgage draft so that we would pay the specified amount to escrow each month with our mortgage payment. AmeriHome was supposed to be taking money out of escrow and paying our home insurance with it. They were taking money out of escrow but it was not being put towards our insurance. Last week, our septic broke and flooded gallons upon gallons of septic water back into our home. I contacted our insurance company to file a claim and found out that AmeriHome had not been paying our insurance company out of our escrow, so they canceled our policy and we were not covered for the damage. It took days to get a response from Amerihome and once we were able to we were told that they were " working diligently '' on a solution. Meanwhile, our family of four with small children including a baby sat in a category three disaster home. Disaster Relief couldn't start removing the toxic waste from our home because they didn't have anyone to send the bill to. They came to our home this morning to access the damage but could not start the process of removing the damage because they do not have an insurance company to bill. We are going on a week with no solution, and have been unable to contact XXXX XXXX, who is supposedly handling the issue at AmeriHome Mortgage. We are desperate for a solution but can not get the help we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
Hello, My XXXX XXXX XXXX was ruined in XXXX XXXX. The declared my car a total. My loan was through truist bank. I continued to make automatic payments through XXXX XXXX  even though the car was totaled. I was waiting on the insurance company to give them a check. XXXX was paid by XXXX XXXX {$32000.00}. I was waiting on my gap insurance to give them a check for XXXX to cover the rest. I ended up over paying XXXX {$910.00} which they had to write a check out to me. They still reported my account as delinquent and my credit score went down XXXX points. This is absolutely ridiculous. I went to XXXX in person and the branch manager wrote a letter Saying that this was an error on their part and we sent it to all XXXX credit bureaus. I am waiting for my credit report to get rid of the delinquent remarks of non payment from XXXX XXXX til now. This is so infuriating my credit score went from a XXXX to a XXXX from something that was no fault of my own.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit report

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 2023-06-27
Company: Bread Financial Holdings, Inc.
State: MS
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: MA
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:
Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Account status incorrect

Complaint:
I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( XXXX, Experian, XXXX ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( XXXX, Experian, XXXX ) and original creditor ( XXXX XXXX XXXX  ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All 3 CRA 's ( Experian, XXXX, XXXX are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.

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 2018-07-28
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: Information belongs to someone else

Complaint:
this is in reference to the non-response by experian to complaint # XXXX CFPB complaint XXXX. 

experian has refused to remove fraudulent reporting. in the latest complaint ( XXXX ) responded with a diatribe of irrelevant noise that they copied-pasted from their own website THAT DOES NOT ADDRESS THE PROBLEM - FRAUDULENT USE OF CREDIT CARD BY SOMEONE ELSE ... that i have now provided proof to exprian 11 times.

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